Home > Tejas Bank > Performance and Condition Ratios
Tejas Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0355% | 2,004 |
| Cost of funding earning assets | 0.0725% | 4,491 |
| Net interest margin | 4.9630% | 332 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 1.8737% | 3,888 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 3.0401% | 156 |
| Return on assets (ROA) | 3.0401% | 154 |
| Pretax return on assets | 3.0401% | 197 |
| Return on Equity (ROE) | 34.4500% | 129 |
| Retained earnings to average equity (ytd only) | 10.8361% | 833 |
| Net charge-offs to loans | 0.3011% | 360 |
| Credit loss provision to net charge-offs | 70.5882% | 2,081 |
| Earnings coverage of net charge-offs (x) | 19.7412% | 1,892 |
| Efficiency ratio | 37.2769% | 4,413 |
| Assets per employee ($millions) | 14.7836% | 224 |
| Cash dividends to net income (ytd only)* | 68.5414% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 1,225 |
| Loan loss allowance to noncurrent loans | 5,546.8750% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,664 |
| Noncurrent loans to loans | 0.0260% | 3,555 |
| Net loans and leases to total assets | 54.6500% | 3,299 |
| Net loans and leases to deposits | 60.3890% | 3,500 |
| Net loans and leases to core deposits | 60.6374% | 3,742 |
| Total domestic deposits to total assets | 90.5000% | 631 |
| Equity capital to assets | 8.7570% | 2,857 |
| Core capital (leverage) ratio | 10.3003% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4796% | 1,188 |
| Memoranda: | ||
| Average total assets | $212,891,200 | 2,890 |
| Average earning assets | $200,119,000 | 2,868 |
| Average equity | $18,789,000 | 2,953 |
| Average total loans | $112,907,800 | 3,019 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 2,023 |
| Cost of funding earning assets | 0.0726% | 4,518 |
| Net interest margin | 4.8458% | 383 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.8353% | 3,913 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.9998% | 178 |
| Return on assets (ROA) | 2.9998% | 180 |
| Pretax return on assets | 2.9998% | 236 |
| Return on Equity (ROE) | 33.9200% | 170 |
| Retained earnings to average equity (ytd only) | 26.1629% | 124 |
| Net charge-offs to loans | 0.3321% | 270 |
| Credit loss provision to net charge-offs | 29.0909% | 1,977 |
| Earnings coverage of net charge-offs (x) | 17.5273% | 1,901 |
| Efficiency ratio | 37.5648% | 4,414 |
| Assets per employee ($millions) | 14.2727% | 231 |
| Cash dividends to net income (ytd only)* | 22.8692% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 1,219 |
| Loan loss allowance to noncurrent loans | 730.4348% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 2,862 |
| Noncurrent loans to loans | 0.2000% | 2,555 |
| Net loans and leases to total assets | 52.9300% | 3,430 |
| Net loans and leases to deposits | 58.8670% | 3,564 |
| Net loans and leases to core deposits | 59.1998% | 3,733 |
| Total domestic deposits to total assets | 89.9200% | 960 |
| Equity capital to assets | 9.2437% | 2,263 |
| Core capital (leverage) ratio | 11.2460% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1886% | 923 |
| Memoranda: | ||
| Average total assets | $210,675,500 | 2,916 |
| Average earning assets | $198,298,000 | 2,888 |
| Average equity | $18,631,500 | 2,956 |
| Average total loans | $110,391,250 | 3,053 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 2,003 |
| Cost of funding earning assets | 0.0720% | 4,536 |
| Net interest margin | 4.7225% | 443 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.8431% | 3,924 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 3.0066% | 151 |
| Return on assets (ROA) | 3.0066% | 151 |
| Pretax return on assets | 3.0066% | 205 |
| Return on Equity (ROE) | 34.5300% | 157 |
| Retained earnings to average equity (ytd only) | 27.2727% | 94 |
| Net charge-offs to loans | 0.5034% | 164 |
| Credit loss provision to net charge-offs | 7.2993% | 1,804 |
| Earnings coverage of net charge-offs (x) | 11.5693% | 1,959 |
| Efficiency ratio | 37.8553% | 4,435 |
| Assets per employee ($millions) | 13.6577% | 253 |
| Cash dividends to net income (ytd only)* | 21.0159% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 1,414 |
| Loan loss allowance to noncurrent loans | 1,434.5133% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,224 |
| Noncurrent loans to loans | 0.0998% | 2,992 |
| Net loans and leases to total assets | 54.4600% | 3,238 |
| Net loans and leases to deposits | 60.7035% | 3,379 |
| Net loans and leases to core deposits | 61.0630% | 3,571 |
| Total domestic deposits to total assets | 89.7100% | 1,009 |
| Equity capital to assets | 9.4979% | 2,160 |
| Core capital (leverage) ratio | 10.6628% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0766% | 945 |
| Memoranda: | ||
| Average total assets | $209,537,000 | 2,936 |
| Average earning assets | $197,140,000 | 2,911 |
| Average equity | $18,245,333 | 3,004 |
| Average total loans | $108,855,333 | 3,065 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 2,193 |
| Cost of funding earning assets | 0.0702% | 4,564 |
| Net interest margin | 4.4780% | 604 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.8709% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7809% | 187 |
| Return on assets (ROA) | 2.7809% | 182 |
| Pretax return on assets | 2.7809% | 255 |
| Return on Equity (ROE) | 33.4000% | 182 |
| Retained earnings to average equity (ytd only) | 33.4033% | 89 |
| Net charge-offs to loans | 1.0235% | 78 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.3956% | 1,816 |
| Efficiency ratio | 40.2192% | 4,444 |
| Assets per employee ($millions) | 14.3909% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,218 |
| Loan loss allowance to noncurrent loans | 1,907.1429% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,397 |
| Noncurrent loans to loans | 0.0793% | 3,169 |
| Net loans and leases to total assets | 48.3400% | 3,607 |
| Net loans and leases to deposits | 53.2106% | 3,725 |
| Net loans and leases to core deposits | 53.5938% | 3,851 |
| Total domestic deposits to total assets | 90.8500% | 845 |
| Equity capital to assets | 8.4475% | 2,937 |
| Core capital (leverage) ratio | 10.3668% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8649% | 1,012 |
| Memoranda: | ||
| Average total assets | $211,872,500 | 2,959 |
| Average earning assets | $199,555,000 | 2,933 |
| Average equity | $17,639,000 | 3,074 |
| Average total loans | $106,690,500 | 3,127 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 2,647 |
| Cost of funding earning assets | 0.0784% | 4,476 |
| Net interest margin | 3.5784% | 1,705 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.7758% | 4,055 |
| Loan and lease loss provision to assets | 1.3900% | 30 |
| Net operating income to assets | 0.6861% | 3,656 |
| Return on assets (ROA) | 0.6861% | 3,605 |
| Pretax return on assets | 0.6861% | 3,876 |
| Return on Equity (ROE) | 7.7200% | 3,456 |
| Retained earnings to average equity (ytd only) | 0.1435% | 4,320 |
| Net charge-offs to loans | 2.7913% | 20 |
| Credit loss provision to net charge-offs | 97.2902% | 1,581 |
| Earnings coverage of net charge-offs (x) | 1.4531% | 2,538 |
| Efficiency ratio | 46.1020% | 4,339 |
| Assets per employee ($millions) | 13.8588% | 253 |
| Cash dividends to net income (ytd only)* | 98.1418% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,167 |
| Loan loss allowance to noncurrent loans | 352.4946% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 1,121 |
| Noncurrent loans to loans | 0.4291% | 1,640 |
| Net loans and leases to total assets | 50.8900% | 3,441 |
| Net loans and leases to deposits | 55.8694% | 3,585 |
| Net loans and leases to core deposits | 56.2843% | 3,709 |
| Total domestic deposits to total assets | 91.1000% | 919 |
| Equity capital to assets | 8.1984% | 2,936 |
| Core capital (leverage) ratio | 9.7727% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0512% | 1,121 |
| Memoranda: | ||
| Average total assets | $211,789,200 | 2,964 |
| Average earning assets | $198,861,200 | 2,945 |
| Average equity | $18,818,200 | 3,053 |
| Average total loans | $108,408,400 | 3,042 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4399% | 2,801 |
| Cost of funding earning assets | 0.0787% | 4,430 |
| Net interest margin | 3.3612% | 2,098 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 1.7446% | 4,086 |
| Loan and lease loss provision to assets | 1.1100% | 35 |
| Net operating income to assets | 0.8535% | 3,050 |
| Return on assets (ROA) | 0.8535% | 3,031 |
| Pretax return on assets | 0.8535% | 3,463 |
| Return on Equity (ROE) | 9.4300% | 2,899 |
| Retained earnings to average equity (ytd only) | 6.1397% | 2,703 |
| Net charge-offs to loans | 0.0945% | 652 |
| Credit loss provision to net charge-offs | 2,301.2987% | 222 |
| Earnings coverage of net charge-offs (x) | 40.7013% | 1,378 |
| Efficiency ratio | 47.0429% | 4,327 |
| Assets per employee ($millions) | 15.0614% | 204 |
| Cash dividends to net income (ytd only)* | 34.8752% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0296% | 131 |
| Loan loss allowance to noncurrent loans | 85.0925% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 2.0307% | 124 |
| Noncurrent loans to loans | 3.5604% | 116 |
| Net loans and leases to total assets | 51.6400% | 3,315 |
| Net loans and leases to deposits | 56.5031% | 3,439 |
| Net loans and leases to core deposits | 57.4445% | 3,533 |
| Total domestic deposits to total assets | 91.4000% | 1,078 |
| Equity capital to assets | 7.8764% | 2,975 |
| Core capital (leverage) ratio | 10.2268% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0159% | 1,169 |
| Memoranda: | ||
| Average total assets | $212,766,000 | 2,984 |
| Average earning assets | $199,843,250 | 2,954 |
| Average equity | $19,262,000 | 3,057 |
| Average total loans | $108,654,000 | 3,051 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2634% | 2,862 |
| Cost of funding earning assets | 0.0790% | 4,390 |
| Net interest margin | 3.1845% | 2,242 |
| Noninterest income to average assets | 0.3683% | 2,943 |
| Noninterest expense to average assets | 1.7432% | 4,065 |
| Loan and lease loss provision to assets | 1.6401% | 23 |
| Net operating income to assets | -0.0291% | 4,583 |
| Return on assets (ROA) | -0.0291% | 4,553 |
| Pretax return on assets | -0.0291% | 4,546 |
| Return on Equity (ROE) | -0.3077% | 4,561 |
| Retained earnings to average equity (ytd only) | -5.0232% | 4,542 |
| Net charge-offs to loans | 0.0391% | 993 |
| Credit loss provision to net charge-offs | 8,333.3333% | 68 |
| Earnings coverage of net charge-offs (x) | 81.8571% | 921 |
| Efficiency ratio | 51.9698% | 4,132 |
| Assets per employee ($millions) | 15.9567% | 166 |
| Cash dividends to net income (ytd only)* | -1,532.2581% | 4,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0768% | 139 |
| Loan loss allowance to noncurrent loans | 84.8395% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.9302% | 153 |
| Noncurrent loans to loans | 3.6267% | 111 |
| Net loans and leases to total assets | 48.4512% | 3,514 |
| Net loans and leases to deposits | 52.6155% | 3,638 |
| Net loans and leases to core deposits | 53.7031% | 3,709 |
| Total domestic deposits to total assets | 92.0853% | 804 |
| Equity capital to assets | 7.3471% | 3,567 |
| Core capital (leverage) ratio | 9.3784% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5313% | 1,564 |
| Memoranda: | ||
| Average total assets | $213,401,667 | 3,002 |
| Average earning assets | $200,095,000 | 2,991 |
| Average equity | $20,146,667 | 3,054 |
| Average total loans | $107,441,333 | 3,103 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1875% | 2,725 |
| Cost of funding earning assets | 0.0812% | 4,347 |
| Net interest margin | 3.1064% | 2,154 |
| Noninterest income to average assets | 0.3263% | 3,148 |
| Noninterest expense to average assets | 1.7600% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5048% | 629 |
| Return on assets (ROA) | 1.5048% | 619 |
| Pretax return on assets | 1.5048% | 1,008 |
| Return on Equity (ROE) | 14.2458% | 786 |
| Retained earnings to average equity (ytd only) | 8.7401% | 1,350 |
| Net charge-offs to loans | 0.1709% | 348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 17.4222% | 1,322 |
| Efficiency ratio | 53.9095% | 4,058 |
| Assets per employee ($millions) | 13.2398% | 296 |
| Cash dividends to net income (ytd only)* | 38.6480% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,368 |
| Loan loss allowance to noncurrent loans | 1,420.5128% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 2,550 |
| Noncurrent loans to loans | 0.1101% | 3,285 |
| Net loans and leases to total assets | 49.3757% | 3,237 |
| Net loans and leases to deposits | 55.1103% | 3,335 |
| Net loans and leases to core deposits | 56.5527% | 3,407 |
| Total domestic deposits to total assets | 89.5944% | 1,771 |
| Equity capital to assets | 9.8595% | 2,000 |
| Core capital (leverage) ratio | 10.1106% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9436% | 1,056 |
| Memoranda: | ||
| Average total assets | $208,405,500 | 3,054 |
| Average earning assets | $197,144,000 | 3,024 |
| Average equity | $22,013,500 | 2,990 |
| Average total loans | $105,325,500 | 3,122 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3532% | 3,043 |
| Cost of funding earning assets | 0.0786% | 4,540 |
| Net interest margin | 3.2746% | 2,389 |
| Noninterest income to average assets | 0.4358% | 2,881 |
| Noninterest expense to average assets | 1.8638% | 4,013 |
| Loan and lease loss provision to assets | 0.0315% | 2,423 |
| Net operating income to assets | 1.6226% | 754 |
| Return on assets (ROA) | 1.6268% | 785 |
| Pretax return on assets | 1.6268% | 1,347 |
| Return on Equity (ROE) | 13.4273% | 1,336 |
| Retained earnings to average equity (ytd only) | 4.8177% | 2,849 |
| Net charge-offs to loans | 0.0815% | 987 |
| Credit loss provision to net charge-offs | 72.2892% | 1,999 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,465 |
| Efficiency ratio | 52.9815% | 4,037 |
| Assets per employee ($millions) | 12.8109% | 329 |
| Cash dividends to net income (ytd only)* | 64.1199% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 1,184 |
| Loan loss allowance to noncurrent loans | 479.4944% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 2,026 |
| Noncurrent loans to loans | 0.3410% | 2,354 |
| Net loans and leases to total assets | 50.0971% | 3,261 |
| Net loans and leases to deposits | 56.8183% | 3,351 |
| Net loans and leases to core deposits | 58.3626% | 3,445 |
| Total domestic deposits to total assets | 88.1707% | 1,945 |
| Equity capital to assets | 11.2897% | 1,612 |
| Core capital (leverage) ratio | 10.2238% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5775% | 1,147 |
| Memoranda: | ||
| Average total assets | $190,684,000 | 3,128 |
| Average earning assets | $179,472,000 | 3,096 |
| Average equity | $23,102,200 | 2,973 |
| Average total loans | $101,841,600 | 3,173 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3579% | 3,224 |
| Cost of funding earning assets | 0.0781% | 4,642 |
| Net interest margin | 3.2798% | 2,478 |
| Noninterest income to average assets | 0.3884% | 3,160 |
| Noninterest expense to average assets | 1.8320% | 4,103 |
| Loan and lease loss provision to assets | 0.0428% | 2,138 |
| Net operating income to assets | 1.5962% | 1,045 |
| Return on assets (ROA) | 1.6019% | 1,073 |
| Pretax return on assets | 1.6019% | 1,696 |
| Return on Equity (ROE) | 12.9794% | 1,697 |
| Retained earnings to average equity (ytd only) | 8.7241% | 1,796 |
| Net charge-offs to loans | 0.1067% | 710 |
| Credit loss provision to net charge-offs | 74.0741% | 1,739 |
| Earnings coverage of net charge-offs (x) | 28.3951% | 1,549 |
| Efficiency ratio | 52.7818% | 3,945 |
| Assets per employee ($millions) | 12.5321% | 334 |
| Cash dividends to net income (ytd only)* | 32.7847% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 1,164 |
| Loan loss allowance to noncurrent loans | 449.7368% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 2,173 |
| Noncurrent loans to loans | 0.3723% | 2,446 |
| Net loans and leases to total assets | 50.0571% | 3,408 |
| Net loans and leases to deposits | 57.1566% | 3,476 |
| Net loans and leases to core deposits | 58.7549% | 3,569 |
| Total domestic deposits to total assets | 87.5789% | 2,075 |
| Equity capital to assets | 11.8436% | 1,471 |
| Core capital (leverage) ratio | 11.2882% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1214% | 1,110 |
| Memoranda: | ||
| Average total assets | $187,111,500 | 3,186 |
| Average earning assets | $175,859,250 | 3,160 |
| Average equity | $23,092,500 | 3,009 |
| Average total loans | $101,203,750 | 3,222 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 3,254 |
| Cost of funding earning assets | 0.0782% | 4,707 |
| Net interest margin | 3.2954% | 2,453 |
| Noninterest income to average assets | 0.3997% | 3,110 |
| Noninterest expense to average assets | 1.8867% | 3,995 |
| Loan and lease loss provision to assets | 0.0657% | 1,731 |
| Net operating income to assets | 1.5407% | 1,188 |
| Return on assets (ROA) | 1.5495% | 1,230 |
| Pretax return on assets | 1.5495% | 1,876 |
| Return on Equity (ROE) | 12.3721% | 1,923 |
| Retained earnings to average equity (ytd only) | 7.6768% | 2,200 |
| Net charge-offs to loans | 0.1526% | 543 |
| Credit loss provision to net charge-offs | 77.9221% | 1,493 |
| Earnings coverage of net charge-offs (x) | 19.0519% | 1,551 |
| Efficiency ratio | 54.0125% | 3,803 |
| Assets per employee ($millions) | 11.5021% | 400 |
| Cash dividends to net income (ytd only)* | 37.9505% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 1,010 |
| Loan loss allowance to noncurrent loans | 173.3806% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 1,215 |
| Noncurrent loans to loans | 0.9949% | 1,242 |
| Net loans and leases to total assets | 53.0320% | 3,248 |
| Net loans and leases to deposits | 61.0630% | 3,294 |
| Net loans and leases to core deposits | 61.8458% | 3,472 |
| Total domestic deposits to total assets | 86.8481% | 2,407 |
| Equity capital to assets | 12.5803% | 1,098 |
| Core capital (leverage) ratio | 11.3384% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3901% | 1,052 |
| Memoranda: | ||
| Average total assets | $182,644,333 | 3,230 |
| Average earning assets | $171,448,667 | 3,205 |
| Average equity | $22,874,000 | 3,022 |
| Average total loans | $100,911,667 | 3,242 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3473% | 3,348 |
| Cost of funding earning assets | 0.0795% | 4,749 |
| Net interest margin | 3.2677% | 2,490 |
| Noninterest income to average assets | 0.3825% | 3,184 |
| Noninterest expense to average assets | 1.8665% | 4,064 |
| Loan and lease loss provision to assets | 0.1319% | 1,036 |
| Net operating income to assets | 1.4553% | 1,430 |
| Return on assets (ROA) | 1.4641% | 1,471 |
| Pretax return on assets | 1.4641% | 2,094 |
| Return on Equity (ROE) | 11.7176% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.5830% | 2,391 |
| Net charge-offs to loans | 0.1376% | 547 |
| Credit loss provision to net charge-offs | 171.4286% | 941 |
| Earnings coverage of net charge-offs (x) | 20.6286% | 1,244 |
| Efficiency ratio | 54.0420% | 3,774 |
| Assets per employee ($millions) | 11.8955% | 359 |
| Cash dividends to net income (ytd only)* | 35.2853% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 944 |
| Loan loss allowance to noncurrent loans | 417.8571% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 2,271 |
| Noncurrent loans to loans | 0.4184% | 2,601 |
| Net loans and leases to total assets | 55.2704% | 3,120 |
| Net loans and leases to deposits | 63.7278% | 3,150 |
| Net loans and leases to core deposits | 64.5715% | 3,363 |
| Total domestic deposits to total assets | 86.7288% | 2,428 |
| Equity capital to assets | 12.7275% | 985 |
| Core capital (leverage) ratio | 11.4798% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3427% | 1,018 |
| Memoranda: | ||
| Average total assets | $181,949,500 | 3,240 |
| Average earning assets | $171,006,000 | 3,200 |
| Average equity | $22,735,000 | 3,017 |
| Average total loans | $101,712,500 | 3,232 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 3,145 |
| Cost of funding earning assets | 0.1222% | 4,809 |
| Net interest margin | 3.7348% | 1,689 |
| Noninterest income to average assets | 0.3427% | 3,414 |
| Noninterest expense to average assets | 1.7897% | 4,487 |
| Loan and lease loss provision to assets | 0.2123% | 1,852 |
| Net operating income to assets | 1.8389% | 358 |
| Return on assets (ROA) | 1.8415% | 381 |
| Pretax return on assets | 1.8415% | 620 |
| Return on Equity (ROE) | 16.1459% | 487 |
| Retained earnings to average equity (ytd only) | 7.1583% | 1,337 |
| Net charge-offs to loans | 0.2245% | 774 |
| Credit loss provision to net charge-offs | 176.7241% | 2,282 |
| Earnings coverage of net charge-offs (x) | 17.0776% | 2,097 |
| Efficiency ratio | 46.5966% | 4,688 |
| Assets per employee ($millions) | 13.2476% | 249 |
| Cash dividends to net income (ytd only)* | 55.6649% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 1,086 |
| Loan loss allowance to noncurrent loans | 1,530.9735% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 4,039 |
| Noncurrent loans to loans | 0.1097% | 3,853 |
| Net loans and leases to total assets | 54.6297% | 3,430 |
| Net loans and leases to deposits | 62.6039% | 3,562 |
| Net loans and leases to core deposits | 63.7642% | 3,706 |
| Total domestic deposits to total assets | 87.2624% | 1,815 |
| Equity capital to assets | 12.2717% | 1,438 |
| Core capital (leverage) ratio | 10.6538% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7775% | 1,093 |
| Memoranda: | ||
| Average total assets | $193,161,000 | 3,001 |
| Average earning assets | $180,921,600 | 2,991 |
| Average equity | $22,030,400 | 3,004 |
| Average total loans | $103,320,200 | 3,190 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 2,995 |
| Cost of funding earning assets | 0.1345% | 4,845 |
| Net interest margin | 3.8571% | 1,457 |
| Noninterest income to average assets | 0.3445% | 3,410 |
| Noninterest expense to average assets | 1.8050% | 4,489 |
| Loan and lease loss provision to assets | 0.2394% | 1,696 |
| Net operating income to assets | 1.9075% | 370 |
| Return on assets (ROA) | 1.9109% | 396 |
| Pretax return on assets | 1.9109% | 617 |
| Return on Equity (ROE) | 17.0629% | 444 |
| Retained earnings to average equity (ytd only) | 10.1792% | 721 |
| Net charge-offs to loans | 0.0825% | 1,481 |
| Credit loss provision to net charge-offs | 546.8750% | 1,222 |
| Earnings coverage of net charge-offs (x) | 49.0781% | 1,205 |
| Efficiency ratio | 45.6762% | 4,731 |
| Assets per employee ($millions) | 12.8136% | 272 |
| Cash dividends to net income (ytd only)* | 40.3433% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 702 |
| Loan loss allowance to noncurrent loans | 1,458.7302% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 4,113 |
| Noncurrent loans to loans | 0.1242% | 3,884 |
| Net loans and leases to total assets | 51.8470% | 3,978 |
| Net loans and leases to deposits | 59.1249% | 4,112 |
| Net loans and leases to core deposits | 60.1752% | 4,191 |
| Total domestic deposits to total assets | 87.6907% | 1,346 |
| Equity capital to assets | 11.8676% | 1,760 |
| Core capital (leverage) ratio | 9.8913% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5231% | 968 |
| Memoranda: | ||
| Average total assets | $195,084,500 | 2,963 |
| Average earning assets | $182,447,500 | 2,956 |
| Average equity | $21,848,000 | 3,012 |
| Average total loans | $103,387,750 | 3,194 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 2,677 |
| Cost of funding earning assets | 0.1572% | 4,862 |
| Net interest margin | 4.0696% | 1,177 |
| Noninterest income to average assets | 0.3520% | 3,371 |
| Noninterest expense to average assets | 1.8129% | 4,543 |
| Loan and lease loss provision to assets | 0.2959% | 1,453 |
| Net operating income to assets | 2.0465% | 300 |
| Return on assets (ROA) | 2.0506% | 332 |
| Pretax return on assets | 2.0506% | 494 |
| Return on Equity (ROE) | 18.6739% | 324 |
| Retained earnings to average equity (ytd only) | 10.9628% | 609 |
| Net charge-offs to loans | 0.0615% | 1,633 |
| Credit loss provision to net charge-offs | 906.2500% | 844 |
| Earnings coverage of net charge-offs (x) | 71.7500% | 872 |
| Efficiency ratio | 43.6288% | 4,823 |
| Assets per employee ($millions) | 13.5069% | 224 |
| Cash dividends to net income (ytd only)* | 41.2935% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 753 |
| Loan loss allowance to noncurrent loans | 1,190.7895% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 4,148 |
| Noncurrent loans to loans | 0.1460% | 3,871 |
| Net loans and leases to total assets | 50.5079% | 4,137 |
| Net loans and leases to deposits | 57.1455% | 4,261 |
| Net loans and leases to core deposits | 58.0980% | 4,349 |
| Total domestic deposits to total assets | 88.3847% | 996 |
| Equity capital to assets | 11.1508% | 2,211 |
| Core capital (leverage) ratio | 9.6572% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8893% | 1,074 |
| Memoranda: | ||
| Average total assets | $196,044,667 | 2,935 |
| Average earning assets | $183,211,667 | 2,925 |
| Average equity | $21,527,333 | 3,026 |
| Average total loans | $104,020,333 | 3,178 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 2,966 |
| Cost of funding earning assets | 0.1809% | 4,926 |
| Net interest margin | 4.1052% | 1,125 |
| Noninterest income to average assets | 0.3735% | 3,275 |
| Noninterest expense to average assets | 1.8157% | 4,647 |
| Loan and lease loss provision to assets | 0.0623% | 2,991 |
| Net operating income to assets | 2.3095% | 152 |
| Return on assets (ROA) | 2.3178% | 163 |
| Pretax return on assets | 2.3178% | 229 |
| Return on Equity (ROE) | 21.2813% | 127 |
| Retained earnings to average equity (ytd only) | 14.2701% | 236 |
| Net charge-offs to loans | 0.1154% | 1,012 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 38.1000% | 1,050 |
| Efficiency ratio | 43.3598% | 4,901 |
| Assets per employee ($millions) | 12.1933% | 228 |
| Cash dividends to net income (ytd only)* | 32.9454% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,390 |
| Loan loss allowance to noncurrent loans | 1,869.8795% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 4,395 |
| Noncurrent loans to loans | 0.0794% | 4,195 |
| Net loans and leases to total assets | 52.7943% | 4,070 |
| Net loans and leases to deposits | 59.5423% | 4,215 |
| Net loans and leases to core deposits | 60.6631% | 4,328 |
| Total domestic deposits to total assets | 88.6669% | 813 |
| Equity capital to assets | 10.8989% | 2,949 |
| Core capital (leverage) ratio | 10.4543% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4555% | 1,491 |
| Memoranda: | ||
| Average total assets | $192,765,000 | 2,925 |
| Average earning assets | $179,088,000 | 2,931 |
| Average equity | $20,995,000 | 3,075 |
| Average total loans | $103,960,000 | 3,173 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 1,979 |
| Cost of funding earning assets | 0.2060% | 4,952 |
| Net interest margin | 4.6171% | 552 |
| Noninterest income to average assets | 0.4879% | 2,815 |
| Noninterest expense to average assets | 2.1287% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.6493% | 109 |
| Return on assets (ROA) | 2.6493% | 116 |
| Pretax return on assets | 2.6493% | 160 |
| Return on Equity (ROE) | 24.1101% | 95 |
| Retained earnings to average equity (ytd only) | 8.3221% | 881 |
| Net charge-offs to loans | 0.1518% | 1,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 31.2516% | 1,540 |
| Efficiency ratio | 44.5513% | 4,957 |
| Assets per employee ($millions) | 11.9023% | 231 |
| Cash dividends to net income (ytd only)* | 65.4831% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 1,228 |
| Loan loss allowance to noncurrent loans | 1,241.6000% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 4,297 |
| Noncurrent loans to loans | 0.1209% | 4,046 |
| Net loans and leases to total assets | 53.4655% | 4,115 |
| Net loans and leases to deposits | 60.2677% | 4,274 |
| Net loans and leases to core deposits | 61.2878% | 4,375 |
| Total domestic deposits to total assets | 88.7133% | 785 |
| Equity capital to assets | 10.8839% | 3,104 |
| Core capital (leverage) ratio | 9.7848% | 3,746 |
| Tier 1 risk-based capital ratio | 14.9485% | 2,801 |
| Total risk-based capital ratio | 16.1988% | 2,743 |
| Memoranda: | ||
| Average total assets | $182,837,800 | 2,984 |
| Average earning assets | $169,890,000 | 2,989 |
| Average equity | $20,091,200 | 3,122 |
| Average total loans | $102,130,600 | 3,200 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 1,755 |
| Cost of funding earning assets | 0.2043% | 5,033 |
| Net interest margin | 4.7184% | 479 |
| Noninterest income to average assets | 0.4989% | 2,737 |
| Noninterest expense to average assets | 2.1782% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.7117% | 116 |
| Return on assets (ROA) | 2.7117% | 122 |
| Pretax return on assets | 2.7117% | 166 |
| Return on Equity (ROE) | 24.6161% | 99 |
| Retained earnings to average equity (ytd only) | 16.3416% | 102 |
| Net charge-offs to loans | 0.0851% | 1,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 56.6183% | 1,097 |
| Efficiency ratio | 44.5449% | 4,988 |
| Assets per employee ($millions) | 11.4744% | 245 |
| Cash dividends to net income (ytd only)* | 33.6141% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 972 |
| Loan loss allowance to noncurrent loans | 1,080.2632% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 4,306 |
| Noncurrent loans to loans | 0.1494% | 4,002 |
| Net loans and leases to total assets | 54.5139% | 4,133 |
| Net loans and leases to deposits | 62.0102% | 4,291 |
| Net loans and leases to core deposits | 63.2094% | 4,418 |
| Total domestic deposits to total assets | 87.9111% | 1,072 |
| Equity capital to assets | 11.6826% | 2,525 |
| Core capital (leverage) ratio | 10.1021% | 3,531 |
| Tier 1 risk-based capital ratio | 15.5447% | 2,624 |
| Total risk-based capital ratio | 16.7958% | 2,565 |
| Memoranda: | ||
| Average total assets | $180,938,000 | 3,034 |
| Average earning assets | $168,386,000 | 3,034 |
| Average equity | $19,932,250 | 3,160 |
| Average total loans | $101,820,750 | 3,240 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 1,899 |
| Cost of funding earning assets | 0.2009% | 5,074 |
| Net interest margin | 4.6522% | 548 |
| Noninterest income to average assets | 0.5054% | 2,645 |
| Noninterest expense to average assets | 2.3138% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.5126% | 150 |
| Return on assets (ROA) | 2.5126% | 154 |
| Pretax return on assets | 2.5126% | 234 |
| Return on Equity (ROE) | 23.2872% | 134 |
| Retained earnings to average equity (ytd only) | 14.3100% | 209 |
| Net charge-offs to loans | 0.1276% | 1,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 1,346 |
| Efficiency ratio | 47.9402% | 4,903 |
| Assets per employee ($millions) | 11.6174% | 233 |
| Cash dividends to net income (ytd only)* | 38.5500% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 1,083 |
| Loan loss allowance to noncurrent loans | 1,578.8462% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,483 |
| Noncurrent loans to loans | 0.0998% | 4,231 |
| Net loans and leases to total assets | 55.1827% | 4,126 |
| Net loans and leases to deposits | 62.3203% | 4,317 |
| Net loans and leases to core deposits | 63.6021% | 4,430 |
| Total domestic deposits to total assets | 88.5469% | 861 |
| Equity capital to assets | 10.9921% | 3,063 |
| Core capital (leverage) ratio | 10.1619% | 3,427 |
| Tier 1 risk-based capital ratio | 14.6605% | 2,989 |
| Total risk-based capital ratio | 15.9111% | 2,917 |
| Memoranda: | ||
| Average total assets | $180,054,000 | 3,054 |
| Average earning assets | $167,234,330 | 3,059 |
| Average equity | $19,427,000 | 3,205 |
| Average total loans | $101,853,000 | 3,262 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 1,700 |
| Cost of funding earning assets | 0.2021% | 5,114 |
| Net interest margin | 4.6661% | 530 |
| Noninterest income to average assets | 0.4697% | 2,736 |
| Noninterest expense to average assets | 1.8968% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.8994% | 91 |
| Return on assets (ROA) | 2.8994% | 99 |
| Pretax return on assets | 2.8994% | 143 |
| Return on Equity (ROE) | 27.1394% | 74 |
| Retained earnings to average equity (ytd only) | 20.4391% | 97 |
| Net charge-offs to loans | 0.2583% | 564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 19.7538% | 1,584 |
| Efficiency ratio | 39.5480% | 5,215 |
| Assets per employee ($millions) | 11.8273% | 213 |
| Cash dividends to net income (ytd only)* | 24.6885% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 960 |
| Loan loss allowance to noncurrent loans | 2,105.1282% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,617 |
| Noncurrent loans to loans | 0.0784% | 4,411 |
| Net loans and leases to total assets | 55.1350% | 4,128 |
| Net loans and leases to deposits | 62.2609% | 4,288 |
| Net loans and leases to core deposits | 63.6005% | 4,404 |
| Total domestic deposits to total assets | 88.5548% | 1,057 |
| Equity capital to assets | 11.0360% | 2,815 |
| Core capital (leverage) ratio | 10.2467% | 3,334 |
| Tier 1 risk-based capital ratio | 15.2428% | 2,780 |
| Total risk-based capital ratio | 16.4949% | 2,686 |
| Memoranda: | ||
| Average total assets | $177,141,500 | 3,121 |
| Average earning assets | $164,249,000 | 3,125 |
| Average equity | $18,924,500 | 3,269 |
| Average total loans | $100,672,000 | 3,316 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1194% | 816 |
| Cost of funding earning assets | 0.2418% | 4,839 |
| Net interest margin | 4.8775% | 335 |
| Noninterest income to average assets | 0.4913% | 2,878 |
| Noninterest expense to average assets | 2.1294% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.8409% | 99 |
| Return on assets (ROA) | 2.8409% | 97 |
| Pretax return on assets | 2.8409% | 118 |
| Return on Equity (ROE) | 26.3357% | 71 |
| Retained earnings to average equity (ytd only) | 8.5301% | 1,037 |
| Net charge-offs to loans | 0.8928% | 169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.3510% | 3,201 |
| Efficiency ratio | 42.8425% | 5,216 |
| Assets per employee ($millions) | 11.0546% | 256 |
| Cash dividends to net income (ytd only)* | 67.6101% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 874 |
| Loan loss allowance to noncurrent loans | 1,028.3133% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 4,357 |
| Noncurrent loans to loans | 0.1629% | 4,012 |
| Net loans and leases to total assets | 56.6395% | 4,083 |
| Net loans and leases to deposits | 63.4167% | 4,281 |
| Net loans and leases to core deposits | 65.5319% | 4,385 |
| Total domestic deposits to total assets | 89.3132% | 727 |
| Equity capital to assets | 10.3294% | 3,348 |
| Core capital (leverage) ratio | 9.9688% | 3,621 |
| Tier 1 risk-based capital ratio | 14.0846% | 3,256 |
| Total risk-based capital ratio | 15.3365% | 3,183 |
| Memoranda: | ||
| Average total assets | $156,712,400 | 3,320 |
| Average earning assets | $143,904,600 | 3,324 |
| Average equity | $16,904,800 | 3,408 |
| Average total loans | $93,191,400 | 3,420 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 679 |
| Cost of funding earning assets | 0.2477% | 4,798 |
| Net interest margin | 4.9113% | 312 |
| Noninterest income to average assets | 0.4870% | 2,942 |
| Noninterest expense to average assets | 2.1660% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.8174% | 102 |
| Return on assets (ROA) | 2.8174% | 102 |
| Pretax return on assets | 2.8174% | 139 |
| Return on Equity (ROE) | 25.7991% | 75 |
| Retained earnings to average equity (ytd only) | 15.9382% | 137 |
| Net charge-offs to loans | 1.9087% | 51 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.4597% | 3,243 |
| Efficiency ratio | 43.4645% | 5,234 |
| Assets per employee ($millions) | 10.9262% | 251 |
| Cash dividends to net income (ytd only)* | 38.2214% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,176 |
| Loan loss allowance to noncurrent loans | 702.2727% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,433 |
| Noncurrent loans to loans | 0.1827% | 4,072 |
| Net loans and leases to total assets | 58.0251% | 4,040 |
| Net loans and leases to deposits | 65.7924% | 4,212 |
| Net loans and leases to core deposits | 68.1919% | 4,287 |
| Total domestic deposits to total assets | 88.1941% | 1,155 |
| Equity capital to assets | 11.3080% | 2,391 |
| Core capital (leverage) ratio | 10.6720% | 2,911 |
| Tier 1 risk-based capital ratio | 15.6885% | 2,570 |
| Total risk-based capital ratio | 16.8345% | 2,548 |
| Memoranda: | ||
| Average total assets | $151,672,250 | 3,401 |
| Average earning assets | $138,860,000 | 3,409 |
| Average equity | $16,563,500 | 3,477 |
| Average total loans | $91,017,500 | 3,481 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1518% | 601 |
| Cost of funding earning assets | 0.2539% | 4,733 |
| Net interest margin | 4.8979% | 302 |
| Noninterest income to average assets | 0.4783% | 2,983 |
| Noninterest expense to average assets | 2.2629% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.6857% | 112 |
| Return on assets (ROA) | 2.6857% | 112 |
| Pretax return on assets | 2.6857% | 161 |
| Return on Equity (ROE) | 24.9198% | 88 |
| Retained earnings to average equity (ytd only) | 9.5178% | 1,067 |
| Net charge-offs to loans | 0.0627% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 70.7857% | 903 |
| Efficiency ratio | 45.7284% | 5,222 |
| Assets per employee ($millions) | 9.6692% | 353 |
| Cash dividends to net income (ytd only)* | 61.8063% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7500% | 189 |
| Loan loss allowance to noncurrent loans | 195.8658% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 1,804 |
| Noncurrent loans to loans | 1.4040% | 1,203 |
| Net loans and leases to total assets | 57.3969% | 4,049 |
| Net loans and leases to deposits | 65.0394% | 4,219 |
| Net loans and leases to core deposits | 67.5504% | 4,281 |
| Total domestic deposits to total assets | 88.2494% | 1,249 |
| Equity capital to assets | 11.2975% | 2,367 |
| Core capital (leverage) ratio | 10.2374% | 3,306 |
| Tier 1 risk-based capital ratio | 15.4870% | 2,641 |
| Total risk-based capital ratio | 16.7518% | 2,580 |
| Memoranda: | ||
| Average total assets | $147,598,670 | 3,470 |
| Average earning assets | $134,709,670 | 3,494 |
| Average equity | $15,907,000 | 3,573 |
| Average total loans | $89,245,000 | 3,537 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 687 |
| Cost of funding earning assets | 0.2653% | 4,615 |
| Net interest margin | 4.7442% | 376 |
| Noninterest income to average assets | 0.4776% | 2,959 |
| Noninterest expense to average assets | 2.2215% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.5770% | 128 |
| Return on assets (ROA) | 2.5770% | 130 |
| Pretax return on assets | 2.5770% | 192 |
| Return on Equity (ROE) | 24.5478% | 91 |
| Retained earnings to average equity (ytd only) | 10.6074% | 988 |
| Net charge-offs to loans | 0.1179% | 1,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 35.6923% | 1,130 |
| Efficiency ratio | 46.2963% | 5,260 |
| Assets per employee ($millions) | 9.4927% | 375 |
| Cash dividends to net income (ytd only)* | 56.7888% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7285% | 203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.9855% | 3,851 |
| Net loans and leases to deposits | 65.8380% | 4,099 |
| Net loans and leases to core deposits | 69.6123% | 4,103 |
| Total domestic deposits to total assets | 89.5920% | 839 |
| Equity capital to assets | 10.0163% | 3,576 |
| Core capital (leverage) ratio | 9.5286% | 4,038 |
| Tier 1 risk-based capital ratio | 13.3552% | 3,745 |
| Total risk-based capital ratio | 14.6205% | 3,651 |
| Memoranda: | ||
| Average total assets | $144,044,500 | 3,545 |
| Average earning assets | $131,192,000 | 3,574 |
| Average equity | $15,121,500 | 3,691 |
| Average total loans | $88,213,500 | 3,583 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 1,649 |
| Cost of funding earning assets | 0.3273% | 3,899 |
| Net interest margin | 4.1936% | 1,199 |
| Noninterest income to average assets | 0.4264% | 3,465 |
| Noninterest expense to average assets | 2.1632% | 4,618 |
| Loan and lease loss provision to assets | 0.2896% | 606 |
| Net operating income to assets | 1.7672% | 460 |
| Return on assets (ROA) | 1.8070% | 421 |
| Pretax return on assets | 1.8070% | 780 |
| Return on Equity (ROE) | 16.7126% | 421 |
| Retained earnings to average equity (ytd only) | 2.5511% | 3,796 |
| Net charge-offs to loans | -1.4637% | 5,632 |
| Credit loss provision to net charge-offs | -33.5008% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2609% | 5,149 |
| Assets per employee ($millions) | 9.0804% | 437 |
| Cash dividends to net income (ytd only)* | 84.7356% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0110% | 139 |
| Loan loss allowance to noncurrent loans | 11,540.9091% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,079 |
| Noncurrent loans to loans | 0.0261% | 4,899 |
| Net loans and leases to total assets | 60.0458% | 3,825 |
| Net loans and leases to deposits | 67.7637% | 4,042 |
| Net loans and leases to core deposits | 73.0310% | 3,966 |
| Total domestic deposits to total assets | 88.6106% | 1,189 |
| Equity capital to assets | 11.0348% | 2,600 |
| Core capital (leverage) ratio | 9.6509% | 3,865 |
| Tier 1 risk-based capital ratio | 14.4788% | 3,101 |
| Total risk-based capital ratio | 15.7488% | 3,011 |
| Memoranda: | ||
| Average total assets | $138,128,400 | 3,641 |
| Average earning assets | $124,952,000 | 3,670 |
| Average equity | $14,934,800 | 3,723 |
| Average total loans | $81,576,600 | 3,717 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 1,829 |
| Cost of funding earning assets | 0.3399% | 3,774 |
| Net interest margin | 4.0987% | 1,391 |
| Noninterest income to average assets | 0.4252% | 3,518 |
| Noninterest expense to average assets | 2.1249% | 4,676 |
| Loan and lease loss provision to assets | 0.3848% | 365 |
| Net operating income to assets | 1.6276% | 667 |
| Return on assets (ROA) | 1.6805% | 620 |
| Pretax return on assets | 1.6805% | 1,170 |
| Return on Equity (ROE) | 15.6212% | 573 |
| Retained earnings to average equity (ytd only) | 4.1579% | 3,430 |
| Net charge-offs to loans | -1.9730% | 5,697 |
| Credit loss provision to net charge-offs | -33.4169% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3601% | 5,152 |
| Assets per employee ($millions) | 8.8202% | 465 |
| Cash dividends to net income (ytd only)* | 73.3828% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1546% | 135 |
| Loan loss allowance to noncurrent loans | 12,104.7619% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 5,178 |
| Noncurrent loans to loans | 0.0261% | 5,006 |
| Net loans and leases to total assets | 58.9843% | 3,965 |
| Net loans and leases to deposits | 66.9245% | 4,189 |
| Net loans and leases to core deposits | 73.1631% | 4,048 |
| Total domestic deposits to total assets | 88.1356% | 1,291 |
| Equity capital to assets | 11.4888% | 2,387 |
| Core capital (leverage) ratio | 9.7171% | 3,916 |
| Tier 1 risk-based capital ratio | 15.2514% | 2,813 |
| Total risk-based capital ratio | 16.5232% | 2,740 |
| Memoranda: | ||
| Average total assets | $138,609,000 | 3,667 |
| Average earning assets | $125,533,500 | 3,688 |
| Average equity | $14,911,000 | 3,762 |
| Average total loans | $80,889,500 | 3,762 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 1,969 |
| Cost of funding earning assets | 0.3509% | 3,573 |
| Net interest margin | 4.0011% | 1,601 |
| Noninterest income to average assets | 0.4420% | 3,406 |
| Noninterest expense to average assets | 2.0595% | 4,855 |
| Loan and lease loss provision to assets | 0.5685% | 195 |
| Net operating income to assets | 1.4285% | 999 |
| Return on assets (ROA) | 1.4285% | 1,028 |
| Pretax return on assets | 1.4285% | 1,904 |
| Return on Equity (ROE) | 13.5676% | 904 |
| Retained earnings to average equity (ytd only) | 2.1330% | 4,400 |
| Net charge-offs to loans | -2.9830% | 5,746 |
| Credit loss provision to net charge-offs | -33.1126% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7708% | 5,257 |
| Assets per employee ($millions) | 9.4449% | 356 |
| Cash dividends to net income (ytd only)* | 84.2786% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0609% | 154 |
| Loan loss allowance to noncurrent loans | 3,359.2105% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 5,006 |
| Noncurrent loans to loans | 0.0911% | 4,760 |
| Net loans and leases to total assets | 57.0698% | 4,116 |
| Net loans and leases to deposits | 64.0927% | 4,363 |
| Net loans and leases to core deposits | 72.5920% | 4,049 |
| Total domestic deposits to total assets | 89.0424% | 933 |
| Equity capital to assets | 10.5842% | 3,251 |
| Core capital (leverage) ratio | 9.0550% | 4,661 |
| Tier 1 risk-based capital ratio | 13.9956% | 3,428 |
| Total risk-based capital ratio | 15.2646% | 3,334 |
| Memoranda: | ||
| Average total assets | $140,711,000 | 3,652 |
| Average earning assets | $127,114,670 | 3,687 |
| Average equity | $14,814,670 | 3,781 |
| Average total loans | $80,992,670 | 3,768 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,173 |
| Cost of funding earning assets | 0.3429% | 3,599 |
| Net interest margin | 3.8856% | 1,833 |
| Noninterest income to average assets | 0.3252% | 4,215 |
| Noninterest expense to average assets | 1.9825% | 5,090 |
| Loan and lease loss provision to assets | 0.0570% | 2,666 |
| Net operating income to assets | 1.8085% | 440 |
| Return on assets (ROA) | 1.8085% | 449 |
| Pretax return on assets | 1.8085% | 779 |
| Return on Equity (ROE) | 17.2230% | 394 |
| Retained earnings to average equity (ytd only) | 10.4316% | 721 |
| Net charge-offs to loans | -5.7203% | 5,817 |
| Credit loss provision to net charge-offs | -1.7528% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5196% | 5,287 |
| Assets per employee ($millions) | 9.1134% | 404 |
| Cash dividends to net income (ytd only)* | 39.4322% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6537% | 266 |
| Loan loss allowance to noncurrent loans | 1,483.0986% | 438 |
| Noncurrent assets plus other real estate owned to assets | 1.8832% | 729 |
| Noncurrent loans to loans | 0.1789% | 4,486 |
| Net loans and leases to total assets | 52.9808% | 4,429 |
| Net loans and leases to deposits | 59.2534% | 4,620 |
| Net loans and leases to core deposits | 76.4482% | 3,611 |
| Total domestic deposits to total assets | 89.4140% | 939 |
| Equity capital to assets | 10.2788% | 3,428 |
| Core capital (leverage) ratio | 9.6346% | 3,950 |
| Tier 1 risk-based capital ratio | 14.3577% | 3,280 |
| Total risk-based capital ratio | 15.6212% | 3,196 |
| Memoranda: | ||
| Average total assets | $140,229,500 | 3,690 |
| Average earning assets | $127,136,000 | 3,719 |
| Average equity | $14,724,500 | 3,812 |
| Average total loans | $79,786,000 | 3,813 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 1,953 |
| Cost of funding earning assets | 0.3116% | 3,935 |
| Net interest margin | 4.0487% | 1,500 |
| Noninterest income to average assets | 0.3767% | 4,054 |
| Noninterest expense to average assets | 2.2993% | 4,559 |
| Loan and lease loss provision to assets | 0.4090% | 375 |
| Net operating income to assets | 1.3711% | 1,063 |
| Return on assets (ROA) | 1.3780% | 1,100 |
| Pretax return on assets | 1.3780% | 2,020 |
| Return on Equity (ROE) | 12.0222% | 1,238 |
| Retained earnings to average equity (ytd only) | 0.9005% | 4,962 |
| Net charge-offs to loans | 1.6585% | 85 |
| Credit loss provision to net charge-offs | 40.0151% | 3,491 |
| Earnings coverage of net charge-offs (x) | 1.7415% | 3,950 |
| Efficiency ratio | 56.3633% | 5,032 |
| Assets per employee ($millions) | 9.6174% | 350 |
| Cash dividends to net income (ytd only)* | 92.5098% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 3,252 |
| Loan loss allowance to noncurrent loans | 76.3945% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 2,066 |
| Noncurrent loans to loans | 1.5422% | 1,295 |
| Net loans and leases to total assets | 58.8715% | 3,978 |
| Net loans and leases to deposits | 66.1523% | 4,232 |
| Net loans and leases to core deposits | 84.4722% | 2,982 |
| Total domestic deposits to total assets | 88.9939% | 1,124 |
| Equity capital to assets | 10.7402% | 2,876 |
| Core capital (leverage) ratio | 9.6742% | 3,886 |
| Tier 1 risk-based capital ratio | 14.2669% | 3,305 |
| Total risk-based capital ratio | 15.3405% | 3,330 |
| Memoranda: | ||
| Average total assets | $129,822,600 | 3,831 |
| Average earning assets | $118,729,000 | 3,854 |
| Average equity | $14,880,800 | 3,824 |
| Average total loans | $80,012,800 | 3,798 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 1,958 |
| Cost of funding earning assets | 0.3055% | 4,038 |
| Net interest margin | 4.0605% | 1,503 |
| Noninterest income to average assets | 0.4074% | 3,871 |
| Noninterest expense to average assets | 2.3501% | 4,412 |
| Loan and lease loss provision to assets | 0.4883% | 261 |
| Net operating income to assets | 1.2761% | 1,360 |
| Return on assets (ROA) | 1.2854% | 1,449 |
| Pretax return on assets | 1.2854% | 2,494 |
| Return on Equity (ROE) | 11.0324% | 1,656 |
| Retained earnings to average equity (ytd only) | -0.7296% | 5,464 |
| Net charge-offs to loans | 2.1876% | 59 |
| Credit loss provision to net charge-offs | 35.8994% | 3,184 |
| Earnings coverage of net charge-offs (x) | 1.2973% | 3,710 |
| Efficiency ratio | 57.1177% | 4,941 |
| Assets per employee ($millions) | 9.2769% | 379 |
| Cash dividends to net income (ytd only)* | 106.6129% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,400 |
| Loan loss allowance to noncurrent loans | 70.9779% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 2,119 |
| Noncurrent loans to loans | 1.6553% | 1,290 |
| Net loans and leases to total assets | 58.2879% | 4,072 |
| Net loans and leases to deposits | 66.2727% | 4,315 |
| Net loans and leases to core deposits | 82.0831% | 3,276 |
| Total domestic deposits to total assets | 87.9516% | 1,426 |
| Equity capital to assets | 11.7943% | 2,263 |
| Core capital (leverage) ratio | 9.9595% | 3,621 |
| Tier 1 risk-based capital ratio | 14.5244% | 3,278 |
| Total risk-based capital ratio | 15.5836% | 3,313 |
| Memoranda: | ||
| Average total assets | $128,617,250 | 3,877 |
| Average earning assets | $117,420,000 | 3,902 |
| Average equity | $14,985,750 | 3,837 |
| Average total loans | $79,963,000 | 3,826 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 1,726 |
| Cost of funding earning assets | 0.2982% | 4,154 |
| Net interest margin | 4.1356% | 1,278 |
| Noninterest income to average assets | 0.3651% | 4,146 |
| Noninterest expense to average assets | 2.3885% | 4,371 |
| Loan and lease loss provision to assets | 0.6568% | 169 |
| Net operating income to assets | 1.0843% | 2,014 |
| Return on assets (ROA) | 1.0843% | 2,149 |
| Pretax return on assets | 1.0843% | 3,262 |
| Return on Equity (ROE) | 9.3445% | 2,337 |
| Retained earnings to average equity (ytd only) | -8.4303% | 5,844 |
| Net charge-offs to loans | 3.2288% | 40 |
| Credit loss provision to net charge-offs | 32.1620% | 2,836 |
| Earnings coverage of net charge-offs (x) | 0.8526% | 3,477 |
| Efficiency ratio | 57.8391% | 4,925 |
| Assets per employee ($millions) | 8.2335% | 522 |
| Cash dividends to net income (ytd only)* | 190.2158% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,870 |
| Loan loss allowance to noncurrent loans | 61.8116% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.2421% | 1,650 |
| Noncurrent loans to loans | 1.8033% | 1,144 |
| Net loans and leases to total assets | 61.2714% | 3,712 |
| Net loans and leases to deposits | 69.7907% | 4,001 |
| Net loans and leases to core deposits | 84.8265% | 3,004 |
| Total domestic deposits to total assets | 87.7930% | 1,532 |
| Equity capital to assets | 11.9649% | 2,153 |
| Core capital (leverage) ratio | 9.7956% | 3,817 |
| Tier 1 risk-based capital ratio | 14.0157% | 3,595 |
| Total risk-based capital ratio | 15.0290% | 3,650 |
| Memoranda: | ||
| Average total assets | $128,197,670 | 3,913 |
| Average earning assets | $116,695,000 | 3,939 |
| Average equity | $14,875,000 | 3,879 |
| Average total loans | $81,083,330 | 3,822 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 1,319 |
| Cost of funding earning assets | 0.3094% | 4,070 |
| Net interest margin | 4.2684% | 974 |
| Noninterest income to average assets | 0.3370% | 4,322 |
| Noninterest expense to average assets | 2.2858% | 4,700 |
| Loan and lease loss provision to assets | 0.2145% | 901 |
| Net operating income to assets | 1.7251% | 541 |
| Return on assets (ROA) | 1.7251% | 575 |
| Pretax return on assets | 1.7251% | 1,007 |
| Return on Equity (ROE) | 15.0898% | 658 |
| Retained earnings to average equity (ytd only) | -11.1766% | 5,841 |
| Net charge-offs to loans | 0.3887% | 572 |
| Credit loss provision to net charge-offs | 86.4198% | 1,790 |
| Earnings coverage of net charge-offs (x) | 7.8148% | 2,115 |
| Efficiency ratio | 54.0972% | 5,377 |
| Assets per employee ($millions) | 8.6745% | 445 |
| Cash dividends to net income (ytd only)* | 174.0675% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0867% | 704 |
| Loan loss allowance to noncurrent loans | 70.4684% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.0051% | 866 |
| Noncurrent loans to loans | 2.9611% | 559 |
| Net loans and leases to total assets | 62.3877% | 3,472 |
| Net loans and leases to deposits | 70.5672% | 3,803 |
| Net loans and leases to core deposits | 84.6997% | 2,875 |
| Total domestic deposits to total assets | 88.4089% | 1,402 |
| Equity capital to assets | 11.3974% | 2,537 |
| Core capital (leverage) ratio | 9.5063% | 4,186 |
| Tier 1 risk-based capital ratio | 13.3076% | 4,089 |
| Total risk-based capital ratio | 14.5653% | 4,015 |
| Memoranda: | ||
| Average total assets | $130,545,000 | 3,903 |
| Average earning assets | $118,921,000 | 3,930 |
| Average equity | $14,924,000 | 3,877 |
| Average total loans | $83,362,500 | 3,772 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 1,389 |
| Cost of funding earning assets | 0.3389% | 3,808 |
| Net interest margin | 4.2398% | 1,081 |
| Noninterest income to average assets | 1.1135% | 946 |
| Noninterest expense to average assets | 2.3393% | 4,677 |
| Loan and lease loss provision to assets | 0.1152% | 2,077 |
| Net operating income to assets | 2.5158% | 147 |
| Return on assets (ROA) | 2.5266% | 148 |
| Pretax return on assets | 2.5266% | 193 |
| Return on Equity (ROE) | 22.2693% | 160 |
| Retained earnings to average equity (ytd only) | 1.4537% | 4,900 |
| Net charge-offs to loans | 0.1725% | 1,654 |
| Credit loss provision to net charge-offs | 103.8961% | 2,413 |
| Earnings coverage of net charge-offs (x) | 23.7208% | 1,715 |
| Efficiency ratio | 47.0656% | 5,877 |
| Assets per employee ($millions) | 9.4143% | 329 |
| Cash dividends to net income (ytd only)* | 93.4721% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 4,096 |
| Loan loss allowance to noncurrent loans | 18,280.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 5,112 |
| Noncurrent loans to loans | 0.0060% | 5,526 |
| Net loans and leases to total assets | 62.9014% | 3,430 |
| Net loans and leases to deposits | 71.6054% | 3,759 |
| Net loans and leases to core deposits | 85.5960% | 2,824 |
| Total domestic deposits to total assets | 87.8445% | 1,727 |
| Equity capital to assets | 12.0220% | 1,938 |
| Core capital (leverage) ratio | 10.2982% | 3,157 |
| Tier 1 risk-based capital ratio | 14.4857% | 3,453 |
| Total risk-based capital ratio | 15.4848% | 3,498 |
| Memoranda: | ||
| Average total assets | $138,843,200 | 3,742 |
| Average earning assets | $126,303,200 | 3,770 |
| Average equity | $15,752,600 | 3,721 |
| Average total loans | $89,260,800 | 3,604 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 1,360 |
| Cost of funding earning assets | 0.3389% | 3,873 |
| Net interest margin | 4.2491% | 1,056 |
| Noninterest income to average assets | 1.3570% | 663 |
| Noninterest expense to average assets | 2.3602% | 4,622 |
| Loan and lease loss provision to assets | 0.0948% | 2,272 |
| Net operating income to assets | 2.7661% | 110 |
| Return on assets (ROA) | 2.7803% | 109 |
| Pretax return on assets | 2.7803% | 150 |
| Return on Equity (ROE) | 24.8529% | 118 |
| Retained earnings to average equity (ytd only) | -0.1187% | 5,621 |
| Net charge-offs to loans | 0.2207% | 1,184 |
| Credit loss provision to net charge-offs | 66.6667% | 2,822 |
| Earnings coverage of net charge-offs (x) | 20.1129% | 1,890 |
| Efficiency ratio | 45.2052% | 5,991 |
| Assets per employee ($millions) | 7.9307% | 561 |
| Cash dividends to net income (ytd only)* | 100.4773% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 4,723 |
| Loan loss allowance to noncurrent loans | 557.1429% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 5,267 |
| Noncurrent loans to loans | 0.1802% | 4,928 |
| Net loans and leases to total assets | 66.6588% | 2,906 |
| Net loans and leases to deposits | 76.1161% | 3,288 |
| Net loans and leases to core deposits | 92.6177% | 2,205 |
| Total domestic deposits to total assets | 87.5752% | 1,760 |
| Equity capital to assets | 12.3720% | 1,811 |
| Core capital (leverage) ratio | 10.3587% | 3,190 |
| Tier 1 risk-based capital ratio | 13.7996% | 3,966 |
| Total risk-based capital ratio | 14.7097% | 4,090 |
| Memoranda: | ||
| Average total assets | $140,604,000 | 3,750 |
| Average earning assets | $127,868,000 | 3,779 |
| Average equity | $15,729,500 | 3,756 |
| Average total loans | $90,621,500 | 3,609 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,525 |
| Cost of funding earning assets | 0.3340% | 3,997 |
| Net interest margin | 4.1700% | 1,171 |
| Noninterest income to average assets | 1.8047% | 428 |
| Noninterest expense to average assets | 2.3902% | 4,578 |
| Loan and lease loss provision to assets | 0.0331% | 3,458 |
| Net operating income to assets | 3.1658% | 85 |
| Return on assets (ROA) | 3.1658% | 86 |
| Pretax return on assets | 3.1658% | 120 |
| Return on Equity (ROE) | 29.2001% | 72 |
| Retained earnings to average equity (ytd only) | -5.2987% | 6,034 |
| Net charge-offs to loans | 0.2729% | 969 |
| Credit loss provision to net charge-offs | 19.0476% | 3,024 |
| Earnings coverage of net charge-offs (x) | 18.4286% | 1,808 |
| Efficiency ratio | 42.7656% | 6,152 |
| Assets per employee ($millions) | 8.0770% | 513 |
| Cash dividends to net income (ytd only)* | 118.1462% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,993 |
| Loan loss allowance to noncurrent loans | 1,874.4186% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 5,732 |
| Noncurrent loans to loans | 0.0518% | 5,539 |
| Net loans and leases to total assets | 63.5617% | 3,335 |
| Net loans and leases to deposits | 72.1442% | 3,708 |
| Net loans and leases to core deposits | 87.0619% | 2,651 |
| Total domestic deposits to total assets | 88.1036% | 1,593 |
| Equity capital to assets | 11.7517% | 2,204 |
| Core capital (leverage) ratio | 9.6737% | 4,037 |
| Tier 1 risk-based capital ratio | 13.7715% | 4,053 |
| Total risk-based capital ratio | 14.6520% | 4,205 |
| Memoranda: | ||
| Average total assets | $145,175,000 | 3,705 |
| Average earning assets | $131,750,330 | 3,728 |
| Average equity | $15,739,670 | 3,769 |
| Average total loans | $92,348,000 | 3,590 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 1,356 |
| Cost of funding earning assets | 0.3285% | 4,117 |
| Net interest margin | 4.2103% | 1,040 |
| Noninterest income to average assets | 0.4388% | 3,701 |
| Noninterest expense to average assets | 2.4186% | 4,544 |
| Loan and lease loss provision to assets | 0.1672% | 1,196 |
| Net operating income to assets | 1.6690% | 632 |
| Return on assets (ROA) | 1.6690% | 663 |
| Pretax return on assets | 1.6690% | 1,116 |
| Return on Equity (ROE) | 15.9590% | 575 |
| Retained earnings to average equity (ytd only) | 7.0679% | 1,982 |
| Net charge-offs to loans | 0.0907% | 1,815 |
| Credit loss provision to net charge-offs | 290.9091% | 829 |
| Earnings coverage of net charge-offs (x) | 31.9545% | 1,113 |
| Efficiency ratio | 56.8447% | 5,454 |
| Assets per employee ($millions) | 7.1845% | 788 |
| Cash dividends to net income (ytd only)* | 55.7121% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 5,164 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 5,887 |
| Noncurrent loans to loans | 0.0256% | 5,703 |
| Net loans and leases to total assets | 61.2982% | 3,480 |
| Net loans and leases to deposits | 68.3316% | 3,924 |
| Net loans and leases to core deposits | 78.6595% | 3,312 |
| Total domestic deposits to total assets | 89.7071% | 898 |
| Equity capital to assets | 10.2309% | 3,851 |
| Core capital (leverage) ratio | 8.8320% | 5,159 |
| Tier 1 risk-based capital ratio | 12.5065% | 4,899 |
| Total risk-based capital ratio | 13.3993% | 5,057 |
| Memoranda: | ||
| Average total assets | $153,146,500 | 3,607 |
| Average earning assets | $138,801,000 | 3,642 |
| Average equity | $16,016,000 | 3,745 |
| Average total loans | $97,048,000 | 3,504 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 949 |
| Cost of funding earning assets | 0.3288% | 4,507 |
| Net interest margin | 4.5552% | 672 |
| Noninterest income to average assets | 0.4928% | 3,565 |
| Noninterest expense to average assets | 2.3918% | 4,864 |
| Loan and lease loss provision to assets | 0.1206% | 2,164 |
| Net operating income to assets | 2.1242% | 259 |
| Return on assets (ROA) | 2.1242% | 265 |
| Pretax return on assets | 2.1242% | 387 |
| Return on Equity (ROE) | 19.5818% | 276 |
| Retained earnings to average equity (ytd only) | 6.6194% | 1,585 |
| Net charge-offs to loans | 0.0139% | 4,607 |
| Credit loss provision to net charge-offs | 1,375.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 255.8333% | 210 |
| Efficiency ratio | 51.5849% | 6,008 |
| Assets per employee ($millions) | 7.0587% | 821 |
| Cash dividends to net income (ytd only)* | 66.1962% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 5,315 |
| Loan loss allowance to noncurrent loans | 1,068.2353% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 5,786 |
| Noncurrent loans to loans | 0.0883% | 5,536 |
| Net loans and leases to total assets | 64.3244% | 3,174 |
| Net loans and leases to deposits | 72.0836% | 3,675 |
| Net loans and leases to core deposits | 81.3761% | 3,159 |
| Total domestic deposits to total assets | 89.2359% | 1,100 |
| Equity capital to assets | 10.7000% | 3,234 |
| Core capital (leverage) ratio | 8.9194% | 5,097 |
| Tier 1 risk-based capital ratio | 12.4460% | 5,063 |
| Total risk-based capital ratio | 13.3137% | 5,225 |
| Memoranda: | ||
| Average total assets | $136,760,200 | 3,863 |
| Average earning assets | $124,406,400 | 3,875 |
| Average equity | $14,835,200 | 3,870 |
| Average total loans | $86,024,400 | 3,713 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8605% | 1,009 |
| Cost of funding earning assets | 0.3036% | 4,856 |
| Net interest margin | 4.5568% | 675 |
| Noninterest income to average assets | 0.5029% | 3,529 |
| Noninterest expense to average assets | 2.2834% | 5,148 |
| Loan and lease loss provision to assets | 0.1275% | 1,967 |
| Net operating income to assets | 2.2465% | 213 |
| Return on assets (ROA) | 2.2465% | 222 |
| Pretax return on assets | 2.2465% | 337 |
| Return on Equity (ROE) | 20.6322% | 244 |
| Retained earnings to average equity (ytd only) | 6.0909% | 2,355 |
| Net charge-offs to loans | 0.0112% | 4,347 |
| Credit loss provision to net charge-offs | 1,828.5714% | 195 |
| Earnings coverage of net charge-offs (x) | 340.6849% | 207 |
| Efficiency ratio | 49.0272% | 6,154 |
| Assets per employee ($millions) | 6.7639% | 885 |
| Cash dividends to net income (ytd only)* | 70.4789% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 5,399 |
| Loan loss allowance to noncurrent loans | 17,520.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 6,193 |
| Noncurrent loans to loans | 0.0055% | 6,023 |
| Net loans and leases to total assets | 63.9029% | 3,186 |
| Net loans and leases to deposits | 71.6477% | 3,719 |
| Net loans and leases to core deposits | 79.2819% | 3,401 |
| Total domestic deposits to total assets | 89.1905% | 1,133 |
| Equity capital to assets | 10.7151% | 3,277 |
| Core capital (leverage) ratio | 9.4310% | 4,462 |
| Tier 1 risk-based capital ratio | 13.0560% | 4,834 |
| Total risk-based capital ratio | 13.9560% | 4,948 |
| Memoranda: | ||
| Average total assets | $133,892,000 | 3,942 |
| Average earning assets | $122,070,750 | 3,949 |
| Average equity | $14,578,750 | 3,930 |
| Average total loans | $83,466,000 | 3,808 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 1,059 |
| Cost of funding earning assets | 0.3024% | 4,947 |
| Net interest margin | 4.5008% | 703 |
| Noninterest income to average assets | 0.5184% | 3,353 |
| Noninterest expense to average assets | 2.2474% | 5,294 |
| Loan and lease loss provision to assets | 0.1387% | 1,786 |
| Net operating income to assets | 2.2398% | 212 |
| Return on assets (ROA) | 2.2398% | 222 |
| Pretax return on assets | 2.2398% | 335 |
| Return on Equity (ROE) | 20.4525% | 269 |
| Retained earnings to average equity (ytd only) | 2.5618% | 4,574 |
| Net charge-offs to loans | 0.0025% | 4,304 |
| Credit loss provision to net charge-offs | 9,100.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,560.0000% | 26 |
| Efficiency ratio | 48.5827% | 6,253 |
| Assets per employee ($millions) | 5.8816% | 1,363 |
| Cash dividends to net income (ytd only)* | 87.4745% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 5,367 |
| Loan loss allowance to noncurrent loans | 3,380.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 6,177 |
| Noncurrent loans to loans | 0.0295% | 5,973 |
| Net loans and leases to total assets | 62.0657% | 3,392 |
| Net loans and leases to deposits | 69.7620% | 3,852 |
| Net loans and leases to core deposits | 76.2351% | 3,608 |
| Total domestic deposits to total assets | 88.9677% | 1,373 |
| Equity capital to assets | 10.9443% | 2,930 |
| Core capital (leverage) ratio | 9.5576% | 4,244 |
| Tier 1 risk-based capital ratio | 13.8074% | 4,384 |
| Total risk-based capital ratio | 14.7617% | 4,513 |
| Memoranda: | ||
| Average total assets | $131,175,330 | 4,010 |
| Average earning assets | $119,711,000 | 4,017 |
| Average equity | $14,365,000 | 3,967 |
| Average total loans | $80,739,670 | 3,888 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 1,470 |
| Cost of funding earning assets | 0.3242% | 4,803 |
| Net interest margin | 4.2894% | 1,018 |
| Noninterest income to average assets | 0.4894% | 3,498 |
| Noninterest expense to average assets | 2.1158% | 5,652 |
| Loan and lease loss provision to assets | 0.1301% | 1,869 |
| Net operating income to assets | 2.1777% | 248 |
| Return on assets (ROA) | 2.1777% | 261 |
| Pretax return on assets | 2.1777% | 369 |
| Return on Equity (ROE) | 19.8798% | 295 |
| Retained earnings to average equity (ytd only) | -2.7430% | 5,936 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8291% | 6,361 |
| Assets per employee ($millions) | 6.5109% | 1,016 |
| Cash dividends to net income (ytd only)* | 113.7980% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 5,619 |
| Loan loss allowance to noncurrent loans | 26,566.6667% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,340 |
| Noncurrent loans to loans | 0.0037% | 6,183 |
| Net loans and leases to total assets | 62.2003% | 3,204 |
| Net loans and leases to deposits | 69.8326% | 3,626 |
| Net loans and leases to core deposits | 75.4954% | 3,463 |
| Total domestic deposits to total assets | 89.0706% | 1,611 |
| Equity capital to assets | 10.8457% | 2,883 |
| Core capital (leverage) ratio | 9.5139% | 4,258 |
| Tier 1 risk-based capital ratio | 14.2109% | 4,191 |
| Total risk-based capital ratio | 15.1592% | 4,333 |
| Memoranda: | ||
| Average total assets | $129,125,000 | 4,085 |
| Average earning assets | $118,431,500 | 4,084 |
| Average equity | $14,145,000 | 4,022 |
| Average total loans | $78,707,000 | 3,978 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 2,200 |
| Cost of funding earning assets | 0.2974% | 5,619 |
| Net interest margin | 4.2037% | 1,341 |
| Noninterest income to average assets | 0.5427% | 3,454 |
| Noninterest expense to average assets | 2.4010% | 5,068 |
| Loan and lease loss provision to assets | 0.1706% | 2,152 |
| Net operating income to assets | 1.8066% | 476 |
| Return on assets (ROA) | 1.8083% | 487 |
| Pretax return on assets | 1.8083% | 745 |
| Return on Equity (ROE) | 14.9578% | 775 |
| Retained earnings to average equity (ytd only) | 8.8293% | 814 |
| Net charge-offs to loans | 0.0196% | 5,048 |
| Credit loss provision to net charge-offs | 1,523.0769% | 166 |
| Earnings coverage of net charge-offs (x) | 176.5385% | 260 |
| Efficiency ratio | 54.8406% | 6,068 |
| Assets per employee ($millions) | 6.0968% | 1,209 |
| Cash dividends to net income (ytd only)* | 40.9719% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 5,575 |
| Loan loss allowance to noncurrent loans | 5,392.8571% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 6,388 |
| Noncurrent loans to loans | 0.0185% | 6,209 |
| Net loans and leases to total assets | 58.4744% | 3,959 |
| Net loans and leases to deposits | 65.7752% | 4,322 |
| Net loans and leases to core deposits | 70.8730% | 4,201 |
| Total domestic deposits to total assets | 88.9004% | 1,695 |
| Equity capital to assets | 11.0652% | 2,556 |
| Core capital (leverage) ratio | 9.8097% | 3,829 |
| Tier 1 risk-based capital ratio | 15.0963% | 3,611 |
| Total risk-based capital ratio | 16.0428% | 3,731 |
| Memoranda: | ||
| Average total assets | $116,077,200 | 4,362 |
| Average earning assets | $105,907,200 | 4,366 |
| Average equity | $14,032,800 | 4,065 |
| Average total loans | $66,349,000 | 4,401 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 2,791 |
| Cost of funding earning assets | 0.2916% | 5,800 |
| Net interest margin | 4.0576% | 1,766 |
| Noninterest income to average assets | 0.6579% | 2,840 |
| Noninterest expense to average assets | 2.3533% | 5,172 |
| Loan and lease loss provision to assets | 0.1827% | 1,992 |
| Net operating income to assets | 1.8133% | 511 |
| Return on assets (ROA) | 1.8156% | 526 |
| Pretax return on assets | 1.8156% | 869 |
| Return on Equity (ROE) | 14.6671% | 862 |
| Retained earnings to average equity (ytd only) | 9.6384% | 873 |
| Net charge-offs to loans | 0.0208% | 4,715 |
| Credit loss provision to net charge-offs | 1,550.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 169.3383% | 328 |
| Efficiency ratio | 54.1068% | 6,097 |
| Assets per employee ($millions) | 5.9543% | 1,266 |
| Cash dividends to net income (ytd only)* | 34.2856% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 5,702 |
| Loan loss allowance to noncurrent loans | 7,944.4444% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,487 |
| Noncurrent loans to loans | 0.0126% | 6,328 |
| Net loans and leases to total assets | 59.3134% | 3,804 |
| Net loans and leases to deposits | 67.1681% | 4,158 |
| Net loans and leases to core deposits | 72.3531% | 4,050 |
| Total domestic deposits to total assets | 88.3059% | 1,937 |
| Equity capital to assets | 11.6571% | 2,166 |
| Core capital (leverage) ratio | 10.6347% | 2,852 |
| Tier 1 risk-based capital ratio | 15.1059% | 3,681 |
| Total risk-based capital ratio | 16.0200% | 3,859 |
| Memoranda: | ||
| Average total assets | $113,088,500 | 4,480 |
| Average earning assets | $102,882,000 | 4,481 |
| Average equity | $13,999,250 | 4,114 |
| Average total loans | $64,031,000 | 4,527 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 3,212 |
| Cost of funding earning assets | 0.2888% | 5,913 |
| Net interest margin | 3.9463% | 2,059 |
| Noninterest income to average assets | 0.6463% | 2,933 |
| Noninterest expense to average assets | 2.3729% | 5,129 |
| Loan and lease loss provision to assets | 0.1746% | 2,161 |
| Net operating income to assets | 1.6905% | 634 |
| Return on assets (ROA) | 1.6905% | 692 |
| Pretax return on assets | 1.6905% | 1,134 |
| Return on Equity (ROE) | 13.3777% | 1,151 |
| Retained earnings to average equity (ytd only) | 9.0182% | 1,110 |
| Net charge-offs to loans | 0.0130% | 4,600 |
| Credit loss provision to net charge-offs | 2,425.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 259.0000% | 202 |
| Efficiency ratio | 55.9898% | 5,967 |
| Assets per employee ($millions) | 5.8336% | 1,323 |
| Cash dividends to net income (ytd only)* | 32.5879% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 5,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 59.3172% | 3,775 |
| Net loans and leases to deposits | 68.1581% | 3,986 |
| Net loans and leases to core deposits | 72.1469% | 4,018 |
| Total domestic deposits to total assets | 87.0288% | 2,803 |
| Equity capital to assets | 12.8936% | 1,386 |
| Core capital (leverage) ratio | 10.6052% | 2,759 |
| Tier 1 risk-based capital ratio | 16.3685% | 2,997 |
| Total risk-based capital ratio | 17.3174% | 3,097 |
| Memoranda: | ||
| Average total assets | $111,089,330 | 4,554 |
| Average earning assets | $101,107,670 | 4,550 |
| Average equity | $14,038,330 | 4,144 |
| Average total loans | $61,591,670 | 4,619 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,722 |
| Cost of funding earning assets | 0.3158% | 5,831 |
| Net interest margin | 3.7858% | 2,503 |
| Noninterest income to average assets | 0.6330% | 2,961 |
| Noninterest expense to average assets | 2.3810% | 5,180 |
| Loan and lease loss provision to assets | 0.1583% | 2,288 |
| Net operating income to assets | 1.5430% | 780 |
| Return on assets (ROA) | 1.5430% | 857 |
| Pretax return on assets | 1.5430% | 1,445 |
| Return on Equity (ROE) | 12.3347% | 1,333 |
| Retained earnings to average equity (ytd only) | 12.3347% | 652 |
| Net charge-offs to loans | 0.0068% | 4,020 |
| Credit loss provision to net charge-offs | 4,400.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 473.0000% | 69 |
| Efficiency ratio | 58.3260% | 5,806 |
| Assets per employee ($millions) | 5.9048% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 5,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 54.0783% | 4,405 |
| Net loans and leases to deposits | 61.9585% | 4,553 |
| Net loans and leases to core deposits | 67.7941% | 4,329 |
| Total domestic deposits to total assets | 87.2815% | 2,770 |
| Equity capital to assets | 12.6507% | 1,617 |
| Core capital (leverage) ratio | 10.4677% | 2,824 |
| Tier 1 risk-based capital ratio | 16.8502% | 2,831 |
| Total risk-based capital ratio | 17.7697% | 2,948 |
| Memoranda: | ||
| Average total assets | $111,215,000 | 4,593 |
| Average earning assets | $101,325,500 | 4,582 |
| Average equity | $13,912,000 | 4,217 |
| Average total loans | $59,183,000 | 4,732 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 3,868 |
| Cost of funding earning assets | 0.4004% | 5,921 |
| Net interest margin | 3.9865% | 2,452 |
| Noninterest income to average assets | 0.7148% | 2,641 |
| Noninterest expense to average assets | 2.5577% | 4,905 |
| Loan and lease loss provision to assets | 0.2118% | 3,026 |
| Net operating income to assets | 1.1228% | 1,864 |
| Return on assets (ROA) | 1.1228% | 2,028 |
| Pretax return on assets | 1.5403% | 1,557 |
| Return on Equity (ROE) | 9.2956% | 2,487 |
| Retained earnings to average equity (ytd only) | 7.4987% | 1,340 |
| Net charge-offs to loans | 0.0331% | 5,456 |
| Credit loss provision to net charge-offs | 1,194.1176% | 217 |
| Earnings coverage of net charge-offs (x) | 98.7647% | 385 |
| Efficiency ratio | 59.3462% | 5,644 |
| Assets per employee ($millions) | 5.8021% | 1,426 |
| Cash dividends to net income (ytd only)* | 19.3309% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 5,975 |
| Loan loss allowance to noncurrent loans | 4,750.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 6,661 |
| Noncurrent loans to loans | 0.0210% | 6,483 |
| Net loans and leases to total assets | 51.2632% | 5,002 |
| Net loans and leases to deposits | 58.6833% | 5,166 |
| Net loans and leases to core deposits | 63.9739% | 4,958 |
| Total domestic deposits to total assets | 87.3557% | 2,613 |
| Equity capital to assets | 12.3650% | 1,813 |
| Core capital (leverage) ratio | 10.4828% | 2,787 |
| Tier 1 risk-based capital ratio | 17.3768% | 2,496 |
| Total risk-based capital ratio | 18.2935% | 2,597 |
| Memoranda: | ||
| Average total assets | $95,827,800 | 4,945 |
| Average earning assets | $86,416,200 | 4,953 |
| Average equity | $11,575,400 | 4,656 |
| Average total loans | $51,334,400 | 5,054 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 3,770 |
| Cost of funding earning assets | 0.4202% | 5,986 |
| Net interest margin | 4.0414% | 2,334 |
| Noninterest income to average assets | 0.6939% | 2,740 |
| Noninterest expense to average assets | 2.6413% | 4,600 |
| Loan and lease loss provision to assets | 0.2038% | 3,037 |
| Net operating income to assets | 0.9946% | 2,539 |
| Return on assets (ROA) | 0.9946% | 2,764 |
| Pretax return on assets | 1.4920% | 1,913 |
| Return on Equity (ROE) | 8.2928% | 3,138 |
| Retained earnings to average equity (ytd only) | 8.2928% | 1,497 |
| Net charge-offs to loans | 0.0321% | 5,198 |
| Credit loss provision to net charge-offs | 1,175.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 97.7475% | 433 |
| Efficiency ratio | 60.9000% | 5,332 |
| Assets per employee ($millions) | 5.4072% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 6,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 54.0302% | 4,744 |
| Net loans and leases to deposits | 61.2473% | 5,051 |
| Net loans and leases to core deposits | 67.3449% | 4,804 |
| Total domestic deposits to total assets | 88.2165% | 1,903 |
| Equity capital to assets | 11.1469% | 3,100 |
| Core capital (leverage) ratio | 9.0527% | 4,986 |
| Tier 1 risk-based capital ratio | 13.6874% | 4,760 |
| Total risk-based capital ratio | 14.5015% | 5,022 |
| Memoranda: | ||
| Average total assets | $92,225,000 | 5,071 |
| Average earning assets | $83,137,000 | 5,094 |
| Average equity | $11,061,500 | 4,792 |
| Average total loans | $49,897,500 | 5,170 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 3,272 |
| Cost of funding earning assets | 0.4438% | 6,003 |
| Net interest margin | 4.1771% | 1,821 |
| Noninterest income to average assets | 0.5884% | 3,331 |
| Noninterest expense to average assets | 2.7344% | 4,269 |
| Loan and lease loss provision to assets | 0.1961% | 3,120 |
| Net operating income to assets | 0.9468% | 2,674 |
| Return on assets (ROA) | 0.9468% | 2,936 |
| Pretax return on assets | 1.4134% | 2,151 |
| Return on Equity (ROE) | 7.6843% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.6843% | 1,769 |
| Net charge-offs to loans | 0.0418% | 4,793 |
| Credit loss provision to net charge-offs | 870.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 71.4000% | 562 |
| Efficiency ratio | 62.9476% | 5,092 |
| Assets per employee ($millions) | 5.2494% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 56.2642% | 4,424 |
| Net loans and leases to deposits | 64.2093% | 4,736 |
| Net loans and leases to core deposits | 71.0179% | 4,412 |
| Total domestic deposits to total assets | 87.6262% | 2,379 |
| Equity capital to assets | 11.8203% | 2,295 |
| Core capital (leverage) ratio | 9.3958% | 4,304 |
| Tier 1 risk-based capital ratio | 13.6959% | 4,669 |
| Total risk-based capital ratio | 14.4515% | 5,012 |
| Memoranda: | ||
| Average total assets | $88,721,000 | 5,203 |
| Average earning assets | $79,767,330 | 5,215 |
| Average equity | $10,931,330 | 4,825 |
| Average total loans | $47,856,000 | 5,272 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 3,687 |
| Cost of funding earning assets | 0.4660% | 6,047 |
| Net interest margin | 4.0907% | 2,135 |
| Noninterest income to average assets | 0.5965% | 3,250 |
| Noninterest expense to average assets | 2.8426% | 3,854 |
| Loan and lease loss provision to assets | 0.1817% | 3,154 |
| Net operating income to assets | 0.8481% | 3,172 |
| Return on assets (ROA) | 0.8481% | 3,409 |
| Pretax return on assets | 1.2535% | 2,711 |
| Return on Equity (ROE) | 6.7329% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.7329% | 2,563 |
| Net charge-offs to loans | 0.0623% | 3,874 |
| Credit loss provision to net charge-offs | 557.1429% | 603 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 693 |
| Efficiency ratio | 66.4488% | 4,474 |
| Assets per employee ($millions) | 4.8882% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 6,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 53.9562% | 4,729 |
| Net loans and leases to deposits | 61.9940% | 4,920 |
| Net loans and leases to core deposits | 69.4028% | 4,517 |
| Total domestic deposits to total assets | 87.0346% | 2,939 |
| Equity capital to assets | 12.4653% | 1,744 |
| Core capital (leverage) ratio | 9.8782% | 3,529 |
| Tier 1 risk-based capital ratio | 14.9209% | 3,808 |
| Total risk-based capital ratio | 15.6855% | 4,123 |
| Memoranda: | ||
| Average total assets | $85,836,500 | 5,319 |
| Average earning assets | $77,247,500 | 5,321 |
| Average equity | $10,812,500 | 4,859 |
| Average total loans | $44,971,500 | 5,423 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 4,763 |
| Cost of funding earning assets | 0.5655% | 6,261 |
| Net interest margin | 4.0119% | 2,827 |
| Noninterest income to average assets | 0.6831% | 2,700 |
| Noninterest expense to average assets | 3.0351% | 3,465 |
| Loan and lease loss provision to assets | 0.1205% | 5,095 |
| Net operating income to assets | 0.8927% | 2,629 |
| Return on assets (ROA) | 1.1372% | 1,822 |
| Pretax return on assets | 1.4385% | 1,657 |
| Return on Equity (ROE) | 8.4697% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.4697% | 932 |
| Net charge-offs to loans | 0.0424% | 5,888 |
| Credit loss provision to net charge-offs | 562.5000% | 406 |
| Earnings coverage of net charge-offs (x) | 58.3125% | 492 |
| Efficiency ratio | 68.3651% | 4,288 |
| Assets per employee ($millions) | 4.4045% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 6,506 |
| Loan loss allowance to noncurrent loans | 19,200.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,011 |
| Noncurrent loans to loans | 0.0048% | 6,859 |
| Net loans and leases to total assets | 49.7915% | 5,613 |
| Net loans and leases to deposits | 57.2622% | 5,772 |
| Net loans and leases to core deposits | 63.0283% | 5,555 |
| Total domestic deposits to total assets | 86.9535% | 2,792 |
| Equity capital to assets | 12.7347% | 1,634 |
| Core capital (leverage) ratio | 10.2408% | 3,040 |
| Tier 1 risk-based capital ratio | 16.3980% | 2,863 |
| Total risk-based capital ratio | 17.1915% | 3,034 |
| Memoranda: | ||
| Average total assets | $74,659,600 | 5,621 |
| Average earning assets | $67,025,200 | 5,640 |
| Average equity | $10,024,000 | 5,010 |
| Average total loans | $37,738,800 | 5,796 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 4,837 |
| Cost of funding earning assets | 0.5840% | 6,361 |
| Net interest margin | 4.0244% | 2,805 |
| Noninterest income to average assets | 0.7127% | 2,526 |
| Noninterest expense to average assets | 3.0863% | 3,219 |
| Loan and lease loss provision to assets | 0.1179% | 4,962 |
| Net operating income to assets | 0.9009% | 2,737 |
| Return on assets (ROA) | 1.2412% | 1,642 |
| Pretax return on assets | 1.5505% | 1,515 |
| Return on Equity (ROE) | 9.1087% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.1087% | 1,106 |
| Net charge-offs to loans | 0.0291% | 5,741 |
| Credit loss provision to net charge-offs | 800.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 84.3468% | 421 |
| Efficiency ratio | 68.7367% | 4,169 |
| Assets per employee ($millions) | 4.1042% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 6,570 |
| Loan loss allowance to noncurrent loans | 4,575.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 7,043 |
| Noncurrent loans to loans | 0.0199% | 6,892 |
| Net loans and leases to total assets | 51.1644% | 5,560 |
| Net loans and leases to deposits | 59.4269% | 5,699 |
| Net loans and leases to core deposits | 65.9689% | 5,419 |
| Total domestic deposits to total assets | 86.0964% | 3,172 |
| Equity capital to assets | 13.3419% | 1,445 |
| Core capital (leverage) ratio | 10.2293% | 3,158 |
| Tier 1 risk-based capital ratio | 16.8081% | 2,717 |
| Total risk-based capital ratio | 17.6007% | 2,908 |
| Memoranda: | ||
| Average total assets | $72,403,250 | 5,725 |
| Average earning assets | $65,067,500 | 5,741 |
| Average equity | $9,865,750 | 5,073 |
| Average total loans | $36,660,500 | 5,889 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 5,384 |
| Cost of funding earning assets | 0.6108% | 6,407 |
| Net interest margin | 3.8798% | 3,394 |
| Noninterest income to average assets | 0.8562% | 1,783 |
| Noninterest expense to average assets | 3.1413% | 3,110 |
| Loan and lease loss provision to assets | 0.1106% | 4,917 |
| Net operating income to assets | 0.9129% | 2,584 |
| Return on assets (ROA) | 0.9129% | 2,687 |
| Pretax return on assets | 1.0802% | 2,932 |
| Return on Equity (ROE) | 6.6485% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.6485% | 2,052 |
| Net charge-offs to loans | 0.0395% | 5,299 |
| Credit loss provision to net charge-offs | 557.1429% | 556 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 544 |
| Efficiency ratio | 69.9607% | 4,127 |
| Assets per employee ($millions) | 3.9383% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 6,623 |
| Loan loss allowance to noncurrent loans | 17,100.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,132 |
| Noncurrent loans to loans | 0.0053% | 7,002 |
| Net loans and leases to total assets | 49.6031% | 5,876 |
| Net loans and leases to deposits | 57.4905% | 5,994 |
| Net loans and leases to core deposits | 64.2429% | 5,704 |
| Total domestic deposits to total assets | 86.2805% | 3,169 |
| Equity capital to assets | 13.3359% | 1,362 |
| Core capital (leverage) ratio | 10.4405% | 2,770 |
| Tier 1 risk-based capital ratio | 17.1779% | 2,449 |
| Total risk-based capital ratio | 17.9708% | 2,598 |
| Memoranda: | ||
| Average total assets | $70,544,330 | 5,811 |
| Average earning assets | $63,198,330 | 5,851 |
| Average equity | $9,686,330 | 5,128 |
| Average total loans | $35,459,330 | 5,994 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 5,315 |
| Cost of funding earning assets | 0.5960% | 6,624 |
| Net interest margin | 3.9097% | 3,095 |
| Noninterest income to average assets | 0.8596% | 1,816 |
| Noninterest expense to average assets | 3.1870% | 2,938 |
| Loan and lease loss provision to assets | 0.1053% | 4,702 |
| Net operating income to assets | 0.8889% | 2,624 |
| Return on assets (ROA) | 0.8889% | 2,689 |
| Pretax return on assets | 1.0584% | 2,906 |
| Return on Equity (ROE) | 6.3732% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.3732% | 2,434 |
| Net charge-offs to loans | 0.0464% | 4,475 |
| Credit loss provision to net charge-offs | 450.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 49.7500% | 580 |
| Efficiency ratio | 70.5645% | 4,148 |
| Assets per employee ($millions) | 3.9043% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 6,683 |
| Loan loss allowance to noncurrent loans | 10,800.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 7,195 |
| Noncurrent loans to loans | 0.0084% | 7,062 |
| Net loans and leases to total assets | 50.4767% | 5,786 |
| Net loans and leases to deposits | 58.6512% | 5,866 |
| Net loans and leases to core deposits | 65.4128% | 5,573 |
| Total domestic deposits to total assets | 86.0625% | 3,489 |
| Equity capital to assets | 13.7226% | 1,095 |
| Core capital (leverage) ratio | 11.0744% | 2,131 |
| Tier 1 risk-based capital ratio | 17.1471% | 2,421 |
| Total risk-based capital ratio | 17.9144% | 2,576 |
| Memoranda: | ||
| Average total assets | $68,402,500 | 5,918 |
| Average earning assets | $61,078,500 | 5,964 |
| Average equity | $9,540,000 | 5,162 |
| Average total loans | $34,459,500 | 6,108 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 6,296 |
| Cost of funding earning assets | 0.8022% | 6,558 |
| Net interest margin | 3.7339% | 4,214 |
| Noninterest income to average assets | 0.8738% | 1,958 |
| Noninterest expense to average assets | 3.6775% | 1,757 |
| Loan and lease loss provision to assets | 0.3548% | 3,999 |
| Net operating income to assets | 0.1439% | 5,460 |
| Return on assets (ROA) | 0.1439% | 5,613 |
| Pretax return on assets | 0.1439% | 5,611 |
| Return on Equity (ROE) | 0.9699% | 5,710 |
| Retained earnings to average equity (ytd only) | 0.9699% | 5,066 |
| Net charge-offs to loans | 0.0123% | 6,707 |
| Credit loss provision to net charge-offs | 5,833.3333% | 30 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 293 |
| Efficiency ratio | 88.0583% | 1,481 |
| Assets per employee ($millions) | 3.9134% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 6,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.3198% | 6,239 |
| Net loans and leases to deposits | 57.5581% | 6,299 |
| Net loans and leases to core deposits | 64.6267% | 6,006 |
| Total domestic deposits to total assets | 85.6870% | 3,501 |
| Equity capital to assets | 14.1837% | 986 |
| Core capital (leverage) ratio | 11.6202% | 1,768 |
| Tier 1 risk-based capital ratio | 17.9320% | 2,019 |
| Total risk-based capital ratio | 18.7163% | 2,153 |
| Memoranda: | ||
| Average total assets | $49,327,600 | 6,564 |
| Average earning assets | $43,627,800 | 6,591 |
| Average equity | $7,320,000 | 5,930 |
| Average total loans | $24,462,400 | 6,705 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 6,578 |
| Cost of funding earning assets | 0.8294% | 6,656 |
| Net interest margin | 3.6834% | 4,494 |
| Noninterest income to average assets | 0.8676% | 1,923 |
| Noninterest expense to average assets | 3.9471% | 1,123 |
| Loan and lease loss provision to assets | 0.3139% | 4,067 |
| Net operating income to assets | -0.1451% | 6,238 |
| Return on assets (ROA) | -0.1451% | 6,323 |
| Pretax return on assets | -0.1451% | 6,265 |
| Return on Equity (ROE) | -0.9620% | 6,276 |
| Retained earnings to average equity (ytd only) | -0.9620% | 6,009 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8993% | 906 |
| Assets per employee ($millions) | 3.4343% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 7,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 52.0597% | 6,093 |
| Net loans and leases to deposits | 59.3007% | 6,363 |
| Net loans and leases to core deposits | 69.0208% | 5,840 |
| Total domestic deposits to total assets | 87.7893% | 2,101 |
| Equity capital to assets | 11.8442% | 2,256 |
| Core capital (leverage) ratio | 8.2974% | 5,875 |
| Tier 1 risk-based capital ratio | 12.2428% | 5,230 |
| Total risk-based capital ratio | 12.9268% | 5,729 |
| Memoranda: | ||
| Average total assets | $45,027,750 | 6,781 |
| Average earning assets | $39,709,000 | 6,808 |
| Average equity | $6,791,000 | 6,182 |
| Average total loans | $22,297,750 | 6,894 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3331% | 6,992 |
| Cost of funding earning assets | 0.8488% | 6,763 |
| Net interest margin | 3.4844% | 5,306 |
| Noninterest income to average assets | 0.8971% | 1,698 |
| Noninterest expense to average assets | 4.3129% | 714 |
| Loan and lease loss provision to assets | 0.2711% | 4,226 |
| Net operating income to assets | -0.6112% | 6,750 |
| Return on assets (ROA) | -0.6112% | 6,777 |
| Pretax return on assets | -0.6112% | 6,666 |
| Return on Equity (ROE) | -3.6743% | 6,586 |
| Retained earnings to average equity (ytd only) | -3.6743% | 6,399 |
| Net charge-offs to loans | -0.0102% | 7,191 |
| Credit loss provision to net charge-offs | -5,500.0000% | 7,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5608% | 577 |
| Assets per employee ($millions) | 3.0018% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7073% | 7,231 |
| Loan loss allowance to noncurrent loans | 1,763.6364% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 7,352 |
| Noncurrent loans to loans | 0.0401% | 7,219 |
| Net loans and leases to total assets | 53.3676% | 6,068 |
| Net loans and leases to deposits | 61.7117% | 6,256 |
| Net loans and leases to core deposits | 78.5271% | 4,864 |
| Total domestic deposits to total assets | 86.4788% | 2,831 |
| Equity capital to assets | 13.2214% | 1,463 |
| Core capital (leverage) ratio | 9.1657% | 4,353 |
| Tier 1 risk-based capital ratio | 13.4990% | 4,065 |
| Total risk-based capital ratio | 14.1091% | 4,515 |
| Memoranda: | ||
| Average total assets | $40,576,000 | 6,978 |
| Average earning assets | $35,817,000 | 7,010 |
| Average equity | $6,749,670 | 6,220 |
| Average total loans | $19,517,670 | 7,096 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9881% | 7,466 |
| Cost of funding earning assets | 0.8472% | 6,951 |
| Net interest margin | 3.1410% | 6,487 |
| Noninterest income to average assets | 0.8940% | 1,651 |
| Noninterest expense to average assets | 4.7753% | 449 |
| Loan and lease loss provision to assets | 0.2263% | 4,228 |
| Net operating income to assets | -1.3805% | 7,286 |
| Return on assets (ROA) | -1.3805% | 7,300 |
| Pretax return on assets | -1.3805% | 7,217 |
| Return on Equity (ROE) | -7.2286% | 7,013 |
| Retained earnings to average equity (ytd only) | -7.2286% | 6,764 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.8750% | 320 |
| Assets per employee ($millions) | 2.2499% | 7,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 6,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 40.5563% | 7,214 |
| Net loans and leases to deposits | 48.1931% | 7,226 |
| Net loans and leases to core deposits | 54.8952% | 7,052 |
| Total domestic deposits to total assets | 84.1536% | 4,073 |
| Equity capital to assets | 15.6194% | 740 |
| Core capital (leverage) ratio | 13.1764% | 1,163 |
| Tier 1 risk-based capital ratio | 19.7165% | 1,579 |
| Total risk-based capital ratio | 20.4413% | 1,649 |
| Memoranda: | ||
| Average total assets | $35,348,500 | 7,258 |
| Average earning assets | $30,691,000 | 7,295 |
| Average equity | $6,751,000 | 6,271 |
| Average total loans | $15,562,500 | 7,376 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0692% | 7,968 |
| Cost of funding earning assets | 0.2157% | 7,934 |
| Net interest margin | 0.8535% | 7,945 |
| Noninterest income to average assets | 0.2844% | 6,068 |
| Noninterest expense to average assets | 1.5640% | 7,785 |
| Loan and lease loss provision to assets | 0.3429% | 4,739 |
| Net operating income to assets | -0.8614% | 6,481 |
| Return on assets (ROA) | -0.8614% | 6,479 |
| Pretax return on assets | -0.8614% | 6,312 |
| Return on Equity (ROE) | -6.0610% | 6,311 |
| Retained earnings to average equity (ytd only) | -6.0610% | 6,152 |
| Net charge-offs to loans | 0.0402% | 6,710 |
| Credit loss provision to net charge-offs | 1,640.0000% | 195 |
| Earnings coverage of net charge-offs (x) | -24.8000% | 7,197 |
| Efficiency ratio | 149.6000% | 317 |
| Assets per employee ($millions) | 1.8633% | 7,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,304 |
| Loan loss allowance to noncurrent loans | 511.1111% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 7,256 |
| Noncurrent loans to loans | 0.1981% | 6,929 |
| Net loans and leases to total assets | 48.2736% | 6,791 |
| Net loans and leases to deposits | 64.1743% | 6,240 |
| Net loans and leases to core deposits | 86.6316% | 5,459 |
| Total domestic deposits to total assets | 75.2227% | 6,824 |
| Equity capital to assets | 24.4195% | 176 |
| Core capital (leverage) ratio | 17.6351% | 425 |
| Tier 1 risk-based capital ratio | 26.9764% | 705 |
| Total risk-based capital ratio | 27.8188% | 714 |
| Memoranda: | ||
| Average total assets | $23,913,800 | 7,671 |
| Average earning assets | $21,324,600 | 7,671 |
| Average equity | $3,398,800 | 7,475 |
| Average total loans | $12,446,800 | 7,580 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2760% | 5,539 |
| Cost of funding earning assets | 1.0180% | 7,353 |
| Net interest margin | 4.2579% | 1,850 |
| Noninterest income to average assets | 1.1409% | 1,211 |
| Noninterest expense to average assets | 3.8186% | 1,561 |
| Loan and lease loss provision to assets | 0.2328% | 5,111 |
| Net operating income to assets | 0.9604% | 2,195 |
| Return on assets (ROA) | 1.1991% | 1,525 |
| Pretax return on assets | 1.1991% | 2,264 |
| Return on Equity (ROE) | 10.8038% | 1,674 |
| Retained earnings to average equity (ytd only) | 10.8038% | 497 |
| Net charge-offs to loans | 0.0109% | 6,785 |
| Credit loss provision to net charge-offs | 4,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 205.5113% | 186 |
| Efficiency ratio | 76.1905% | 3,477 |
| Assets per employee ($millions) | 2.6946% | 6,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5404% | 7,658 |
| Loan loss allowance to noncurrent loans | 400.0000% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 7,374 |
| Noncurrent loans to loans | 0.1351% | 7,144 |
| Net loans and leases to total assets | 54.6365% | 6,309 |
| Net loans and leases to deposits | 62.6289% | 6,621 |
| Net loans and leases to core deposits | 76.2626% | 6,593 |
| Total domestic deposits to total assets | 87.2385% | 2,060 |
| Equity capital to assets | 12.4646% | 1,977 |
| Core capital (leverage) ratio | 9.1009% | 4,490 |
| Tier 1 risk-based capital ratio | 14.6354% | 3,206 |
| Total risk-based capital ratio | 15.1073% | 3,572 |
| Memoranda: | ||
| Average total assets | $22,905,000 | 7,773 |
| Average earning assets | $20,823,250 | 7,759 |
| Average equity | $2,542,250 | 7,795 |
| Average total loans | $12,151,000 | 7,665 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1606% | 6,223 |
| Cost of funding earning assets | 1.0377% | 7,484 |
| Net interest margin | 4.1229% | 2,245 |
| Noninterest income to average assets | 1.0876% | 1,351 |
| Noninterest expense to average assets | 3.5625% | 2,161 |
| Loan and lease loss provision to assets | 0.0856% | 6,319 |
| Net operating income to assets | 1.2160% | 1,437 |
| Return on assets (ROA) | 1.2160% | 1,515 |
| Pretax return on assets | 1.2160% | 2,252 |
| Return on Equity (ROE) | 11.3873% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.3873% | 510 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2394% | 4,154 |
| Assets per employee ($millions) | 2.8583% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2832% | 8,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.3616% | 6,635 |
| Net loans and leases to deposits | 59.2752% | 6,946 |
| Net loans and leases to core deposits | 72.4013% | 6,875 |
| Total domestic deposits to total assets | 88.3364% | 1,605 |
| Equity capital to assets | 11.4274% | 2,584 |
| Core capital (leverage) ratio | 8.2873% | 5,821 |
| Tier 1 risk-based capital ratio | 14.0484% | 3,489 |
| Total risk-based capital ratio | 14.2972% | 4,032 |
| Memoranda: | ||
| Average total assets | $23,354,330 | 7,838 |
| Average earning assets | $21,392,670 | 7,810 |
| Average equity | $2,494,000 | 7,880 |
| Average total loans | $12,254,000 | 7,742 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 6,610 |
| Cost of funding earning assets | 1.1444% | 7,434 |
| Net interest margin | 3.9684% | 2,779 |
| Noninterest income to average assets | 1.0340% | 1,390 |
| Noninterest expense to average assets | 3.3392% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3391% | 1,289 |
| Return on assets (ROA) | 1.3391% | 1,386 |
| Pretax return on assets | 1.3391% | 2,151 |
| Return on Equity (ROE) | 12.9801% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.9801% | 645 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3768% | 4,296 |
| Assets per employee ($millions) | 2.9658% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2101% | 8,102 |
| Loan loss allowance to noncurrent loans | 41.6667% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,754 |
| Noncurrent loans to loans | 0.5043% | 6,166 |
| Net loans and leases to total assets | 50.0379% | 6,864 |
| Net loans and leases to deposits | 56.1218% | 7,153 |
| Net loans and leases to core deposits | 68.4186% | 7,113 |
| Total domestic deposits to total assets | 89.1596% | 1,165 |
| Equity capital to assets | 10.5875% | 3,379 |
| Core capital (leverage) ratio | 7.8506% | 6,690 |
| Tier 1 risk-based capital ratio | 13.2101% | 4,044 |
| Total risk-based capital ratio | 13.3878% | 4,731 |
| Memoranda: | ||
| Average total assets | $23,598,500 | 7,881 |
| Average earning assets | $21,671,000 | 7,852 |
| Average equity | $2,434,500 | 7,947 |
| Average total loans | $12,377,500 | 7,783 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6073% | 7,040 |
| Cost of funding earning assets | 1.6268% | 7,390 |
| Net interest margin | 3.9805% | 3,214 |
| Noninterest income to average assets | 0.8396% | 2,300 |
| Noninterest expense to average assets | 3.2646% | 3,092 |
| Loan and lease loss provision to assets | -0.2144% | 8,271 |
| Net operating income to assets | 1.3845% | 1,267 |
| Return on assets (ROA) | 1.3845% | 1,216 |
| Pretax return on assets | 1.3845% | 2,016 |
| Return on Equity (ROE) | 14.2712% | 1,052 |
| Retained earnings to average equity (ytd only) | 6.2149% | 1,425 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6153% | 3,642 |
| Assets per employee ($millions) | 3.3530% | 5,084 |
| Cash dividends to net income (ytd only)* | 56.4516% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1944% | 8,164 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 7,234 |
| Noncurrent loans to loans | 0.1555% | 6,943 |
| Net loans and leases to total assets | 54.6760% | 6,584 |
| Net loans and leases to deposits | 60.9731% | 7,019 |
| Net loans and leases to core deposits | 76.8765% | 6,807 |
| Total domestic deposits to total assets | 89.6724% | 776 |
| Equity capital to assets | 10.0422% | 3,987 |
| Core capital (leverage) ratio | 7.3701% | 7,339 |
| Tier 1 risk-based capital ratio | 12.1758% | 4,685 |
| Total risk-based capital ratio | 12.3469% | 5,527 |
| Memoranda: | ||
| Average total assets | $22,391,400 | 7,932 |
| Average earning assets | $20,223,600 | 7,926 |
| Average equity | $2,172,200 | 8,084 |
| Average total loans | $9,010,400 | 7,988 |